| Last updated on October 26th, 2023
Sheetz Visa® Credit Card
Sheetz Visa® Credit Card
- 29.74% variable based on the Prime Rate Regular Purchase APR
- 29.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Sheetz Visa® Credit Card is a gas rewards credit card that offers up to 8 cents in savings per gallon of gasoline pumped at Sheetz fuel pumps. The card also provides up to 5% cash back on in-store Sheetz purchases, plus 1% back on other eligible purchases, all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save up to 8 cents per gallon at Sheetz pumps with a MySheetz Rewardz membership
- 5% cash back on Sheetz in-store purchases
- 1% back on all other qualifying purchases
- No annual fee
- Regular Purchase APR: 29.74% variable based on the Prime Rate
- Balance Transfer APR: 29.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You frequently purchase gasoline at Sheetz
- You have an active MySheetz Rewardz membership
- You live in the Mid-Atlantic region of the U.S.
- You do't want to pay an annual fee
In-Depth Review: Sheetz Visa® Card
The Sheetz Visa® Credit Card is a gas rewards credit card from the leading Eastern-U.S. gas station and convenience store, Sheetz. The card, issued by Synchrony Bank, offers savings on every eligible fill-up at Sheetz locations, in-store cash back, and more – all for no annual fee.
Save Up to 8 Cents on Gas
The Sheetz Visa is a gas rewards credit card at its core – and it is here where the card saves most. Cardholders save 5 cents per gallon when used at Sheetz pumps, and that saving is supercharged with a MySheetz Rewardz membership, however.
Using MySheetz Rewardz with the Sheetz Visa Card entitles the cardholder to 8 cents back per gallon of gas purchased at Sheetz stations and service centers, including Pennsylvania, West Virginia, Maryland, Ohio, Virginia, and North Carolina.
Earn 5% Back in-Store – and More
The card also earns valuable rewards in-store with Sheetz. Cardholders earn 5% back on in-store purchases at any Sheetz location. Keep in mind that car wash purchases made at fuel pumps will not earn any rewards, however.
The Sheetz Visa also earns 1% cash back on all other purchases from any merchant (other than Sheetz) whose merchant category code is classified by the payment card industry as “Service Stations” (MCC 5541) or “Automated Fuel Dispensers” (MCC 5542). This final category is fairly confusing, given that most credit cards offer a flat 1% back on all other purchases – and don’t use restrictive language as Sheetz does.
How to Redeem MySheetz Rewardz
Fuel savings and cash back rewards with the Sheetz Visa Card take the form of rewards points – or, to put it more accurately, Rewardz points. Points apply towards various redemption options, with the most common options including Sheetz merchandise, food, or statement credits. Other redemption options for MySheetz Rewardz include:
- Gift cards/certificates
- Travel (Airline, Hotel, and Car Rentals)
- Cash back as a statement credit to the Account, an ACH deposit to any checking or savings account (ABA routing number required), or as a check sent by mail
- Other goods and services
There is no limit on the number of points that can be earned. Points are redeemed on a first-in, first-out basis, and they will expire on or after the fifth anniversary of their award.
Sheetz Visa Comparison
Which gas rewards credit card is right for you? Here is how the Sheetz Visa compares with other co-branded fuel rewards credit cards:
Sheetz Visa® Credit Card
Buc-ee’s Platinum Mastercard®
Shell Fuel Rewards Mastercard
|Up to 8¢ per gallon with a MySheetz Rewardz membership
|10¢ discount on fuel at Buc-ee’s stations
|10¢ per gallon (up to 35 gallons*) at Shell pumps
|5% back on Sheetz in-store purchases and 1% back everywhere else
|No cash advance or balance transfer fees
|10% Shell rebates on your first $1,200 Shell non-fuel purchases per year, 2% on your first $10,000 Dining and Groceries purchases Per year, 1% on all else
There are plenty of excellent cash back credit cards for gas rewards as well, including retail cards like the Sam’s Club® Mastercard®, the Capital One® Walmart Rewards™ Card, the Costco Anywhere Visa® Card by Citi, and even the Bilt Mastercard from Wells Fargo.
Related Article: The Best Credit Cards for Gas Rewards
Other Card Features
As a Visa Platinum credit card, the Sheetz Visa Card features the following protections and security features:
|Zero Fraud Liability
|Cardholder Inquiry Services
|Emergency Card Replacement
|Roadside Dispatch and Auto Collision Damage Waiver
|Lost/Stolen Card Reporting
|ID Navigator from Norton
How does Synchrony stack up as a credit card issuer? Here is a selection of ratings for the bank:
Should You Apply for the Sheetz Visa® Card?
Co-branded gas rewards cards are great for commuters dedicated to a particular brand – and the Sheetz Visa Card is no different. The card provides exceptional savings at Sheetz pumps, plus up to 5% back in-store – all for no annual fee.
However, the geographic restrictions with Sheetz make the card difficult to use outside of Sheetz’s home base. This shortcoming is especially evident with the 1% back category, as it lacks the flat rate earning potential of most other competitors instead of a confusing earning structure.
Ultimately, the Sheetz Visa lacks some of the oomph of other gas station credit cards, such as the Sam’s Club Mastercard, Citi’s Meijer Mastercard, or even the Ducks Unlimited Visa. Still, the card provides plenty of value for Sheetz aficionados on the east coast, especially when paired with a MySheetz Rewardz elite tier. For those looking for a credit card that provides broader rewards, the Citi Rewards+® Card is another popular gas reward credit card that earns 2X on groceries and gas and 1X on all other purchases.
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