Interest Rate and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Veterinary Services 

APR for Balance Transfer 

APR Cash Advances 

A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that,
12.49% to 21.49%, based upon your creditworthiness.
Your APR will vary with the market based on the Prime Rate. 
A 0% fixed APR for the first 6 billing cycles from the date of each veterinary services purchase. After that,
12.49% to 21.49%, based upon your creditworthiness.
Your APR will vary with the market based on the Prime Rate. 
A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that,
12.49% to 21.49%, based upon your creditworthiness.
Your APR will vary with the market based on the Prime Rate 
21.49% for Cash Advances.

 Your APR will vary with the market based on the Prime Rate 

Penalty APR and When it 
Applies 

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 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 

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 
•
•
•
Other Fees 

Late Payment
Over-the-Credit Limit
Returned Payment

•
•
•

•
•
•

 None 

Balance Transfer - 3% of the amount of each transaction, but not less than $5.00
Cash Advance - 3% of the amount of the advance with a minimum of $5.00 
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. 

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 Platinum 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 February, 2016.     

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 
eligible in this rewards program from pet store merchant locations earns 2% cash back rebate, which will be 
applied against your Credit Card balance.  Merchant locations can be changed from time to time as determined 
by Nationwide Bank.  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.