T-SHEETZ-BAU-2211
155 - -127368
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.
Index And When It Is Determined: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the “Money Rates” section of The Wall Street Journal on the last day the rate is published in each
calendar month (the “determination date”). The above APRs are based on an Index (Prime Rate) of 8.25% as of the 5/31/2023 determination date. If the Prime Rate is higher or lower on a later determination date, the
above APRs may increase or decrease accordingly.
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.
APR for Purchases and Balance Transfers on the Sheetz Visa Credit Card: To determine the variable APR for purchases and balance transfers, we add a margin of 21.49% to the Index (Prime Rate).
APR for Purchases on the Sheetz Personal Credit Card: To determine the APR for purchases, we add a margin of 21.99% to the Index (Prime Rate). You may only use your Sheetz Personal Credit Card
account to make purchases of goods and services from Sheetz, Inc. retail store locations or through its web site. No other transactions will be permitted.
APR for Cash Advances on the Sheetz Visa Credit Card: To determine the variable APR for cash advances, we add a margin of 21.99% to the Index (Prime Rate).
How We Will Calculate Your Minimum Payment: If your New Balance is less than $40, the minimum payment will be equal to your New Balance. If your New Balance is $40 or greater, the minimum payment
will be the greater of (a) 2% of the New Balance or $40, whichever is larger; or (b) the current cycle fees and nance charges (except balance transfer fees) plus 1% of the New Balance (excluding current cycle
fees and nance charges). Your minimum payment will also include any amount (i) past due and (ii) necessary to reduce your balance to your credit limit. Calculations will exclude disputed amounts. Balance
transfer fees will be part of your Balance Transfers Balance Category, unless we specify otherwise.(Only the Sheetz Visa Credit Card is eligible for Balance Transfers.)
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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 rst billing cycle may be more or less than one month.
IMPORTANT NOTICE REGARDING CHANGES IN TERMS. We may change the APRs, rates, fees, costs, and other terms of your account subject to, and as allowed by, applicable law.
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
rst 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 nance charges and does not have the benet 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, nance 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.
CREDIT REPORTS: By applying for this account, you agree that FNBO may obtain credit reports for purposes of processing your application and for later purposes related to your account such as reviewing, updating
and renewing it, increasing the credit line and collecting. If you request, you will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished
the report. You also authorize FNBO to verify your employment, income and other relevant information.
NOTICE TO CARDMEMBERS AND AUTHORIZED USERS: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reected in
your credit report.
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
29.74% when you open your account. This APR will vary with the market based on
the Prime Rate.
30.24% when you open your account. This APR will vary with the market based on
the Prime Rate.
APR for Balance Transfers
29.74% 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
30.24%. 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.
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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.
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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.consumernance.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.consumernance.gov/learnmore.
Fees Sheetz Visa
®
Credit Card Sheetz Personal Credit Card
Set-up and Maintenance Fees
●Annual Fee None None
●Monthly Fee None None
Transaction Fees
●Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater Balance Transfers not available on the Sheetz Personal Credit Card.
●Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater Cash Advances not available on the Sheetz Personal Credit Card.
●Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater Cash Equivalent Transactions not available on the Sheetz Personal Credit Card.
●Foreign Transaction 3% of each transaction in U.S. dollars N/A
Penalty Fees
●Late Payment Up to $40 Up to $40
●Returned Payment (Payment Dishonored) Up to $35 Up to $35
Visa
®
Card
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, benets and features that are different from the Sheetz Visa Card.
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO
®
”.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government ght the funding of terrorism and money laundering activities, Federal law requires all nancial
institutions to obtain, verify, and record information that identies each person who opens an account.
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.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each
individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights unless, prior to the time the credit is
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.
CALIFORNIA RESIDENTS: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
NEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State
Department of Financial Services: 1-800-342-3736 and “www.dfs.ny.gov”.
ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute, including your right to litigate
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 qualies 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”).
Complete Program Terms and Conditions for either the Maximum Rewards Program or the Sheetz Personal Credit Card Rewards Program (including additional limitations and restrictions) will be
provided to you if you become an approved cardmember.
ENROLLMENT: To participate in the Program, the Account must be open. The “Enrollment Date” is the date the Account is opened or, if later, the date enrollment in the Program is completed. Program membership will
be automatically renewed each year with the Terms and Conditions and the fees, if any, then in effect, until we are notied that the card is being cancelled or enrollment in the Program is terminated as otherwise permitted
by these Terms and Conditions.
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 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 classied by the
payment card industry as “Service Stations” (MCC 5541) or “Automated Fuel Dispensers”
(MCC 5542).
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.
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 rst-in, rst-out basis and points will expire on or after the
fthanniversary 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”):
• Merchandise
• Gift cards/certicates
• 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
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).
NET PURCHASES: “Net Purchases” are authorized, new purchases posted to the Account on or after the Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items.
Net Purchases do not include: (a) annual fees, nance charges, and other fees or charges posted by us to the Account; (b) cash advances (including, but not limited to, purchases of money orders or other cash equivalents)
or special check transactions (available only through the Sheetz Visa Card); (c) balance transfers (available only through the Sheetz Visa Card); (d) charges for other products, services, or benets that we provide
(available only through the Sheetz Visa Card); (e) other fuel purchases from any merchant (other than Sheetz) whose merchant category code is classied by the payment card industry as “Service Stations” (MCC 5541)
or “Automated Fuel Dispensers” (MCC 5542) (available only through the Sheetz Visa Card); (f) Sheetz fuel purchases made at the pump; (g) all fuel purchases, whether inside or at the pump, made at Sheetz commercial
fueling stations; (h) Sheetz car wash purchases made at the pump; or (i) other transactions that we determine not to be eligible.
“Sheetz In-Store Purchases” are Net Purchases that are (a) in-store purchases, including in-store purchases of fuel and in-store purchases of car washes, or outside purchases of car washes made directly at the car
wash teller; (b) made at participating Sheetz locations; and (c) posted to the Account on or after enrollment in the Program. NOTE: Sheetz Fuel Purchases and car wash purchases made at the fuel pump will not earn
points. “Sheetz Fuel Purchases” are purchases of (a) gasoline or diesel purchases only; (b) made at a participating Sheetz location, and (c) paid for at the fuel pump using only the Account. Purchases of fuel at Sheetz
commercial fueling stations and purchases of kerosene do not qualify as Sheetz Fuel Purchases and are not eligible for the per gallon price reduction received at Sheetz fuel pumps. NOTE: Sheetz Fuel Purchases and
car wash purchases made at the fuel pump will not earn points.
We reserve the right to determine, in our sole discretion, whether transactions qualify as Sheetz In-Store Purchases, Sheetz Fuel Purchases, or Net Purchases, and our determinations shall be nal.
POINTS: Points are not earned in the Program until they appear on the Account billing statement. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit, or dispute, which
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
specied therein. We reserve the right to determine which Net Purchases are eligible for bonus points.
REDEMPTION UNDER THE MAXIMUM REWARDS PROGRAM:
REWARDS & REDEMPTION: Point redemption may be subject to shipping, handling or other fees. If a credit card is reported lost or stolen, the ability to redeem points will be temporarily suspended until a new
card is issued.
CASH BACK: Only points can be used to redeem for cash back, which cannot be redeemed using a combination of points and a credit card. Cash back is redeemable in denominations of $25, $50, $100, $250, and
$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.
REDEMPTION UNDER THE SHEETZ PERSONAL CREDIT CARD PROGRAM:
AUTOMATIC REDEMPTION & GIFT CARDS: If a Sheetz Personal Credit Card is reported lost or stolen, the automatic point redemption will be temporarily suspended until a new card is issued. Points will be
automatically redeemed for the Gift Cards as stated above. Gift Cards will be sent to the address where we send the Account’s statements (which may take 30 to 60 days after the Account has been awarded the
respective 1,000 points). Sheetz is responsible for honoring the Gift Cards and may impose additional conditions, restrictions and limitations on redemption of the Gift Cards. We are not responsible for Sheetz’s
products or decisions or their refusal to honor Gift Cards or to otherwise participate in the Program. Gift Cards can be redeemed for in-store purchases or fuel at Sheetz.
CASH BACK: Only points can be used to redeem for cash back, not a combination of points and a credit card. Cash back is redeemable in denominations of $25, $50, $100, $250, and $1,000. Cash back in the form of
a statement credit will be applied as a credit to the Account. 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 Account
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 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.
