155 - 121609
Visa® Card
2T-SHTZ-WEB-2007
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.
PLEASE NOTE: If you apply for the Sheetz® Visa® Card but do not qualify for it, we will automatically consider you for the Sheetz® Personal Credit Card. The Sheetz Personal Credit Card can only be used at Sheetz locations and has rates, fees, benefits and features that are different from the Sheetz Visa Card.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS) | ||
Interest Rates and Interest Charges | Sheetz Visa® Credit Card | Sheetz Personal Credit Card |
Annual Percentage Rate (APR) for Purchases | 21.99% to 27.99% when you open your account, based on your creditworthi- ness. This APR will vary with the market based on the Prime Rate. | 27.99% when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 21.99% to 27.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. | Balance Transfers not available on the Sheetz Personal Credit Card. |
APR for Cash Advances | 25.49%. This APR will vary with the market based on the Prime Rate. | Cash Advances not available on the Sheetz Personal Credit Card. |
Penalty APR and When it Applies | None | None |
How to Avoid Paying Interest on Purchases | Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.1 | Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.1 |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.75. | If you are charged interest, the charge will be no less than $1.75. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
Fees | Sheetz Visa® Credit Card | Sheetz Personal Credit Card |
Set-up and Maintenance Fees
| None None | None None |
Transaction Fees
| Either $10 or 5% of the amount of each transfer, whichever is greater Either $15 or 5% of the amount of each cash advance, whichever is greater Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater 3% of each transaction in U.S. dollars | Balance Transfers not available on the Sheetz Personal Credit Card. Cash Advances not available on the Sheetz Personal Credit Card. Cash Equivalent Transactions not available on the Sheetz Personal Credit Card. N/A |
Penalty Fees
| Up to $40 Up to $35 | Up to $40 Up to $35 |
When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.
Rate).
1 We will begin charging interest on cash advances and balance transfers on the transaction date.
Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.
Payments on your account may be applied in the order we select, subject to applicable law. Generally, this means that if you make a payment in excess of the required minimum payment, we will apply the excess amount first to your balances with the highest Annual Percentage Rate. Any remaining portion of that excess amount will be applied to your other balances in descending order based on their applicable Annual Percentage Rates. BALANCE TRANSFERS: Only the Sheetz Visa Card is eligible for Balance Transfers. You authorize us to make each balance transfer you request. Each company you request us to pay and each balance transfer request may be treated as a separate balance transfer transaction. Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.
Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.
your credit report.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Married applicants may apply for separate accounts in their own names.
granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and address of their spouse to FNBO at P.O. Box 3437, Omaha, NE 68172-9981.
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.
The arbitration provision will not apply to you if, at the time your account is opened, you are a covered borrower under the Military Lending Act and U.S. Department of Defense regulations (32 C.F.R. pt. 232). For example, you would generally be a covered borrower if, at the time your account is opened, you are: (1) a member of the U.S. armed forces on active duty under a call or order not specifying a period of 30 days or less; (2) an active Guard or Reserve; or (3) a spouse or dependent of a person who qualifies under (1) or (2).
IMPORTANT REWARDS PROGRAM INFORMATION REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the Sheetz Visa® Card Maximum Rewards® Program and the Sheetz Personal Credit Card Rewards Program (each a “Program” and collectively the “Programs”). First National Bank of Omaha, is referred to below as “we,” “us,” “our” and “FNBO®”. FNBO is the issuer of the Sheetz Visa Credit Card and the Sheetz Personal Credit Card account(s) (as applicable, the “Account”) and the sponsor of both Programs. Both Programs are dependent on the participation and cooperation of Sheetz, Inc. (“Sheetz”).
Sheetz Visa® Credit Card Sheetz Personal Credit Card
EARN A DISCOUNT AT SHEETZ FUEL PUMPS | Earn an immediate $0.05 per gallon price reduction on Sheetz Fuel Purchases posted to the Account. | Earn an immediate $0.05 per gallon price reduction on Sheetz Fuel Purchases posted to the Account. |
EARN POINTS | Earn 5 points (equal to 5% back) for each $1.00 of Sheetz In-Store Purchases posted to the Account. NOTE: Sheetz Fuel Purchases and car wash purchases made at fuel pumps will not earn points. | Earn 5 points for each $1.00 of Sheetz In-Store Purchases posted to the Account. NOTE: Sheetz Fuel Purchases and car wash purchases made at fuel pumps will not earn points. |
Earn 1 point (equal to 1% back) for each $1.00 of Net Purchases posted to the Account that is not from a Sheetz In-Store Purchase, Sheetz Fuel Purchase, or a purchase 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). | ||
ANNUAL PROGRAM FEE | There is no annual Program fee. However, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly set-up and maintenance fees associated with the Account. | There is no Annual Rewards Program Fee; however, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly Set-up and Maintenance fees associated with the Account. |
LIMIT ON POINTS EARNED | There is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions. | There is no limit on the number of points that can be earned, but if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions. |
POINT EXPIRATION | Points are redeemed on a first-in, first-out basis and points will expire on or after the fifth anniversary of when they were awarded. | Points do not expire. |
POINT FORFEITURE | If the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited. | If the Account is closed for any reason, enrollment in the Program will be terminated and any accumulated points will be forfeited. |
POINT REDEMPTION | Points can be redeemed for (collectively, the “Rewards”):
| Points are redeemed automatically in 1,000 point increments. Each 1,000 points equate to a $10 Sheetz Gift Card (“Gift Card”), subject to the Sheetz Personal Credit Card Rewards Program’s complete Terms and Conditions. |
REDEMPTION REQUESTS | Available 24/7 through online access or toll-free customer service during hours of operation; additional information about redemption will be provided if you become a cardmember. | Gift Cards will be sent automatically in increments of $10. If more than $10 in Gift Cards are earned, additional Gift Card(s) will be sent in separate envelope(s). Gift Cards will be automatically sent to the same address where the Account’s statements are sent (which may take 30 to 60 days after each respective 1,000 points have been posted to the Account). |
could result in a negative point balance. We reserve the right to retroactively correct errors made in point awards. Points will not be earned if the Account cannot be used for new purchases or participation in the Program has been suspended. If a credit card is reported lost or stolen, we will temporarily suspend our awarding of points in the Program until a new card is issued. At our sole discretion, we may award additional bonus points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Program Terms and Conditions unless otherwise specified therein. We reserve the right to determine which Net Purchases are eligible for bonus points.
$1,000. While cash back in the form of a statement credit will be applied as a credit to the Account, the regular monthly minimum payments shown on the billing statements must still be made. We are not responsible for replacing lost, stolen or destroyed checks. Checks that have not been cashed and cleared within 120 days after the issue date will become void, and the money received as a Reward will be credited to the Account as a statement credit. For all ACH deposit checking and savings cash back redemptions, the correct account number must be provided in the redemption form in order for the amount requested to be deposited accordingly. If an ACH deposit is rejected, the redemption will be reversed and the points will be added back to the rewards balance associated with the Account.
We are not responsible for replacing lost, stolen, or destroyed checks. Checks that have not been cashed and cleared within 120 days after the issue date will become void and the money received as a Reward will be credited to the Account as a statement credit.
For all checking and savings account ACH deposit cash back redemptions, the correct account number must be provided in the redemption form in order for the amount requested to be deposited accordingly. If an ACH deposit is rejected, the redemption will be reversed and the points will be added back to the rewards balance associated with the Account.
We may change or terminate either Program in our discretion at any time with or without prior notice to you except where required by law. Sheetz is a registered trademark of Sheetz of Delaware, Inc. and used under license.