Sheetz Credit Card
Sheetz is a popular chain of gas stations and convenience stores on the East Coast, with over 600 locations across Pennsylvania, Maryland, Virginia, Ohio, and the Carolinas. In recent years, Sheetz has expanded their payment options to include their own branded credit card.
The Sheetz credit card offers benefits and rewards tailored to Sheetz customers who regularly fill up gas or shop at Sheetz stores. But as with any credit card, it’s important to go into it understanding the terms, fees, rewards structure, and other key details.
In this article, we will break down the key things you need to know about the Sheetz credit card—the positives and potential downsides—to make sure you understand what you would be signing up for.
Whether you are a current Sheetz loyalty member or are just interested in their growing payment options, read on for an overview of the Sheetz credit card and what sets it apart from other gas station cards.
6 Things to Know About the Sheetz Credit Card
1. Two card options
here is a comparison of the two Sheetz card options:
Sheetz Personal Credit Card
- Only works at Sheetz locations
- Good for frequent Sheetz customers who spend a lot there on fuel, car washes, food, etc.
- No rewards or discounts on non-Sheetz purchases
Sheetz Visa Card
- Can be used anywhere Visa is accepted
- Earns 5% cash back on in-store Sheetz purchases
- Saves 5 cents per gallon on Sheetz gas
- Earns 1% cash back on most other purchases
- More flexible and has rewards for non-Sheetz spending
The Sheetz Visa Card seems to offer better rewards and more flexibility compared to the closed-loop Personal Credit Card. The 5% and per gallon discounts at Sheetz can add up, especially for regular customers. And getting 1% back on other purchases provides a little extra value.
So unless you only spend money at Sheetz, the Sheetz Visa Card is likely the better option. But consider your own spending habits and how often you shop at Sheetz to decide which card fits your needs. The Personal Credit Card is fine if you exclusively use Sheetz.
2. 5% Back on in-store Sheetz Purchases
Get an amazing 5% back on all of your in-store Sheetz purchases with the Sheetz Visa Card and the Sheetz Personal Credit Card. This implies that you can save money on all of your favorite Sheetz products.
Sheetz Personal Credit Card
For everything Sheetz, this closed-loop card is your best bet. 5% back is awarded to you on all in-store purchases, regardless of what you buy. But keep in mind that you won’t receive points for Sheetz gas or car washes.
Visa Card Sheetz
This open-loop card keeps Sheetz close to your heart while expanding your horizons. In addition to receiving 5% back on in-store Sheetz purchases, you will also receive an extra 1% back on all other purchases, with the exception of gas and car washes at non-Sheetz locations.
3. Gas discounts
Sheetz Personal Credit Card
- Gas Discount: Offers a 5 cents per gallon discount specifically at Sheetz gas stations.
- Fuel Grade Applicability: Provides the discount across all fuel grades available at Sheetz, including unleaded, plus, and premium.
- Card Type: Closed-loop card, meaning it can only be used for transactions at Sheetz locations.
- Ideal for: Designed for individuals who frequently fill up their tanks at Sheetz gas stations.
Sheetz Visa Card
- Gas Discount: Provides a 5 cents per gallon discount at Sheetz, similar to the Personal Credit Card, but it also offers potential savings when used at other gas stations that accept Visa.
- Fuel Grade Applicability: Like the Personal Credit Card, the discount is applicable to all fuel grades including unleaded, plus, and premium.
- Card Type: Open-loop card, allowing it to be used not only at Sheetz but also at any other location that accepts Visa cards.
- Ideal for: Geared towards drivers who fill up at various gas stations, offering flexibility beyond Sheetz locations.
4. Sheetz Credit Card Points are Different from MySheetz Rewardz Points
MySheetz Rewardz points earned through in-store purchases and app activities are distinct from Sheetz credit card points earned. They can’t be mixed; they run on different reward systems.
Sheetz Credit Card Points
- Your card purchases determine how many points you accrue, usually one point for every dollar spent.
- Through the card issuer’s rewards system, points can be exchanged for a variety of prizes, including statement credit, cash back, merchandise, gift cards, and travel.
- But the terms and conditions of the credit card issuer apply to these points.
MySheetz Rewardz
- Points can be obtained by a number of actions, including buying things in-store, using the Sheetz app to scan QR codes, and taking part in promotions.
- Within the MySheetz Rewardz program, points can be exchanged for free meals, beverages, car washes, and other incentives.
- Sheetz is in charge of these issues, which are governed by the particular guidelines and conditions of the program.
5. Consider combining cards
The Sheetz Visa offers strong rewards for Sheetz purchases and gas. Use it when fueling up and making in-store purchases to earn 5% back plus Sheetz gas discounts. This maximizes your savings at Sheetz.
For other everyday spending outside of Sheetz, switch to a general rewards card. With a flexible strategy using two cards, you can optimize rewards both at Sheetz and on non-Sheetz transactions. Target the Sheetz Visa for gas and Sheetz stores while relying on a secondary card for groceries, dining, shopping, and bills.
6. Annual fees
Both the Sheetz Personal Credit Card and Sheetz Visa Card offer the key benefit of having no annual fees.
This makes them smart choices for Sheetz devotees focused on sticking to a budget. You can earn rewards and perks without worrying about a costly yearly bill.
Which Sheetz Credit Card is Right for Me?
The Sheetz Personal Card gives 5% cash back when you buy things inside Sheetz stores. It also takes 5 cents off per gallon when you buy gas at Sheetz. This card is good if you shop at Sheetz a lot.
The Sheetz Visa Card gives the same 5% cash back in Sheetz stores and 5 cents off Sheetz gas. It also gives 1% cash back on other purchases you make with the card, except gas that is not from Sheetz. This card is good if you shop at Sheetz but also make purchases other places.
FAQs – Sheetz Credit Card
Can I combine cards for maximum rewards?
Absolutely! Use the Sheetz Visa for Sheetz buys to get 5% back and gas discounts. For other purchases, use a different rewards card to get extra benefits.
Where can I learn more about the Sheetz credit cards?
Details on the terms, conditions, and perks of each card can be found by visiting either the Sheetz website of the card issuer.
Do either cards have annual fees?
No, both cards are great because they don’t charge you anything every year.
What credit score is needed for these cards?
You’ll probably need a good or excellent credit score to get approved for either card.
Do both cards offer 5% back on in-store Sheetz purchases?
Yes, both cards give you 5% back on anything you buy inside Sheetz stores, like food, drinks, and car washes.
What gas discounts do the cards offer?
The Sheetz Personal Card gives a 5 cents per gallon discount at Sheetz. The Sheetz Visa Card offers the same discount at Sheetz plus potential savings from other gas rewards cards if you use it at other gas stations.
Are Sheetz credit card points separate from MySheetz Rewardz?
Yes, they’re different. Credit card points come from using the card, while MySheetz Rewardz “Pointz” come from buying things in the store or using the Sheetz app. You can’t mix them.
Can I use the Sheetz Visa card outside of Sheetz?
Yes, you can! The Sheetz Visa Card works anywhere they accept Visa, not just at Sheetz.