WSFS Bank Cash Back Visa® Credit Card Terms and Conditions
Rates, fees, and other important costs of the WSFS Bank Cash Back Visa Credit Card are disclosed below. Additional fees and account terms are described in the WSFS Bank Credit Card Agreement ('Agreement') that will be enclosed with the card if a card is issued. The terms disclosed below and in the Agreement may be changed at any time subject to applicable law. Based on our evaluation of your credit report and other factors, if approved for a WSFS Bank Cash Back Visa Credit Card, you will receive a credit card account ("Account") with a minimum credit line of $500. For purposes of these disclosures, 'you' and 'your' mean each person who applies for an Account
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 12.49%, 15.49%, 18.49% or 21.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances · 24.99%
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 $2.00.
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.
Fees
Annual Fee · None
Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · Either $10 or 3% of the amount of each Balance Transfer, whichever is greater. Either $10 or 3% of the amount of each Cash Advance, whichever is greater.
3% of each transaction in U.S. dollars.
Penalty Fees • Late Payment
Up to $35 .
• Returned Payment · Up to $35 .
How We Will Calculate Your Balance: For Purchase and Balance Transfer balances, we use a method called 'average daily balance (excluding new purchases and new balance transfers).' For Cash Advance balances, we use a method called 'average daily balance (including new cash advances).'
Billing Rights Summary: Information on your right to dispute transactions is included with the account-opening disclosures (card mailer) and your monthly periodic statement.
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