Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	17.49%–21.99% variableNorthwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“17.49% to 21.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”Northwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	21.99% variableNorthwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, your APR will be 21.99% to 21.99% , based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”Northwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	21.99% variableNorthwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“21.99% to 21.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”Northwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	at least $25Northwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.”Northwest Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2

northwest-rewards-credit-card-disclosure-120224page 1 of 14

Northwest Bank 100 Liberty Street P.O. Box 1793 Warren PA 16365 (877)672-5678 www.northwest.bank

APPLICATION AND SOLICITATION DISCLOSURE

Northwest Rewards Visa

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 17.49% to 21.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal. APR for Balance Transfers · 8.99% Introductory APR for the life of the balance on Balance Transfer completed within 90 days of account opening. After that, your APR will be 21.99% to 21.99% , based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal. APR for Cash Advances · 21.99% to 21.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal. Penalty APR and When it Applies · 21.99% This APR may be applied to your account if you: - Make a late payment; or - Make a payment that is returned. How Long Will the Penalty APR Apply?: If your APRs are increased for making a late payment, the Penalty APR will apply until you make 6 consecutive minimum payments when due. If your APRs are increased for making a payment that is returned, the Penalty APR will apply until you make 6 consecutive minimum payments when due. How to Avoid Paying Interest on Purchases · Your due date is at least 25 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. Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.50 . 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 http://www.consumerfinance.gov/learnmore.

1 2 3 4 5 6 7 8 9 10 11 12 13 14Pages 1 and 2 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, your APR will be 21.99% to 21.99% , based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”
Read exact source ↗
Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“21.99% to 21.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”
Read exact source ↗
Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“17.49% to 21.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”
Read exact source ↗
Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.”
Read exact source ↗
Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“8.99% Introductory APR for the life of the balance on Balance Transfer completed within 90 days of account opening. After that, your APR will be 21.99% to 21.99% , based on your creditworthiness. This APR will vary with the market based on the prime rate published in the Money Rates Section of The Wall Street Journal.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.50 .”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Northwest Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 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.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR, Purchase APR, Returned payment fee

Offered through: Northwest Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 28178
Branches: 164 in IN, NY, OH, PA
Sources: Official issuer · 1 document · 2 pages cited

Documents

northwest-rewards-credit-card-disclosure-120224effective date not parsed

Rewards VisaNorthwest Bank · SI bank, IN · FDIC 28178

Rates and fees