Interest Rate and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

A 0% intro APR for the first 12 billing cycles following the opening of your account. After that, 
12.24% to 21.24% , based upon your creditworthiness.   

APR for Automotive Repairs  A 0% fixed APR for the first 12 billing cycles from the date of each automotive repair purchase. After that, 
12.24% to 21.24%, based upon your creditworthiness.   

Your APR will vary with the market based on the Prime Rate. 

APR for Balance Transfer 

Your APR will vary with the market based on the Prime Rate. 
A 0% intro APR for the first 12 billing cycles following the opening of your account. After that, 
12.24% to 21.24%, based upon your creditworthiness.   

APR Cash Advances 

Your APR will vary with the market based on the Prime Rate 
21.24% for Cash Advances, based upon your creditworthiness.   

Penalty APR and When it 
Applies 

Your APR will vary with the market based on the Prime Rate 
24.99% variable** 

This APR may be applied to your account if you: 

1.  Make a late payment; 
2.  Go over your credit limit twice in a six-month period; 
3.  Make a payment that is returned; or 
4.  Do any of the above on another account that you have with us. 

How to Avoid Paying 
Interest on Purchases 
Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 
• 
• 
• 

Balance Transfer 
Cash Advance 
Foreign Transaction 

Penalty Fees 
• 
Late Payment 
•  Over-the-Credit Limit 
• 
Returned Payment 
Other Fees 

How long will the penalty APR Apply?  If your APRs are increased for any of these reasons, the 
Penalty APR will apply until you make six consecutive minimum payments when due.   

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. 

None 

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 

          None 

• 

• 
• 

• 
• 
• 

Balance Transfer - 3% of the amount of each transaction, but not less than $5.00 nor more than 
$75.00 
Cash Advance - 3% of the amount of the advance with a minimum of $5.00 
Foreign Transaction – 1% of the Settlement Amount 

$15 on balances up to $500, and up to $35 on balances over $500 
$35 
$20 

          None 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including current transactions)”. 

Rates will be based on our evaluation of your credit and will be disclosed with your Card. The index used is the highest Prime Rate as 
published in the Money Rates section of The Wall Street Journal in effect on the 15th day of each month of each year.  
For additional Account information, please see the accompanying Credit Card Agreement and Disclosure document. 

(Revised 10/2013) 

  
 
 
 
 
 
 
 
 
       
 
 
 
 
Rates will be based on our evaluation of your credit and will be disclosed with your Card. 

Your APRs may increase if you default under the cardmember agreement you have with us for any of the 
following reasons: We do not receive at least the minimum payment due on this account by the due date; you 
exceed your credit line on this account; or you make a payment to us that is not honored by your bank. 

VISA cash advances are subject to a Variable Rate that is based on the highest Prime Rate as published in the 
Money Rates section of The Wall Street Journal in effect on the 15th day each month of each year ("Index") 
plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes 
in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in 
the index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance 
Charge and will affect the amount of Your regularly scheduled payments. Your Interest Rate will never be 
greater than 24.99% and will apply to Your remaining principal balance. Actual APR may vary based on credit 
history. The information, rates, fees, etc., were accurate as of October 1, 2013.             

Cardmember Agreement: You agree to be bound by the terms of the cardmember agreement, which will be 
sent with your Card.  The cardmember agreement, which includes rates and fees, is subject to change. 

Payment Allocation: Nationwide Bank applies payments and credits in excess of the required minimum 
periodic payment to balances with the highest annual percentage rate first and any remaining portion to the 
other remaining balances in descending order based on the applicable annual percentage rate. 

Rewards: Every dollar in qualifying purchases, net of returns, cardholder charges to their credit card account 
will be applied against your Credit Card balance.  All other purchases, net of returns that are eligible in this 
rewards program, receive a cash back rebate of 1%.  This rebate will be applied automatically at each monthly 
billing cycle.  No rebate is earned for finance charges, fees, cash advances, balance transfers, convenience 
checks, foreign transaction currency conversion charges posted to their account.  Charges or transactions may 
be added to, or removed from, the above lists of eligible charges and transactions from time to time at the sole 
discretion of Nationwide Bank.  Any questions as to what constitutes an eligible charge shall be resolved at the 
sole discretion of Nationwide Bank.   

Accounts must be open and in good standing (not canceled or terminated by either party, not delinquent, over 
limit, or otherwise not available to use for charges) to earn the cash back rebate.  Rebate is not available when 
a cardholder is in default under the cardmember agreement.  Nationwide Bank reserves the right to suspend 
the cardholder’s participation in this rewards program until the account is in good standing. 

This rewards program is void where prohibited or restricted by law. 

Nationwide Bank reserves the right to terminate or modify the rewards program or portions thereof at any time 
without restriction or penalty. 

(Revised 10/2013)