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 

APR for Cash Advances 
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 

• Returned Payment 

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. 
24.99% 
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. 
If you are charged interest, the charge will be no less than $2.00. 
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 

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. 

Up to $35. 

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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How the Variable APRs on your Account are Determined: Unless an introductory or promotional APR is 
applicable, the APRs on your Account for Purchases and Balance Transfers will be determined each billing cycle 
by adding a “margin” to the “Index”. Please see below and in your Agreement for more information. 

How Daily Periodic Rates Are Used To Calculate Interest: The daily periodic rate for your Purchase and 
Balance Transfer APR is 0.03422%, 0.04244%, 0.05066% or 0.05888%, and Cash Advance APR is 0.06847%. 

Margins: For Purchases and Balance Transfers, margins of 9.24%, 12.24%, 15.24% or 18.24% will be added to 
the Index, based on your creditworthiness. 

Index: The APRs that apply to your Account for Purchases and Balance Transfers are subject to change each 
Billing Cycle with changes to the Index. The Index is the Prime Rate (U.S.) as published in the Money Rates 
section of The Wall Street Journal. As of 3/16/2020, the Prime Rate was 3.25%. 

Payment Allocation. Payments are allocated at our discretion as permitted by applicable law. The amount of 
each payment equal to the Total Minimum Payment Due is allocated first to unpaid Transaction Fees, Account 
Fees, and Minimum Interest Charges, then to unpaid interest charges, then to the balance with the lowest APR 
and then to balances with higher APRs. Payment amounts in excess of the Total Minimum Payment Due will be 
applied to balances with higher APRs before balances with lower APRs. 

Important Information About Procedures for Opening a New Account (USA Patriot Act): To help the 
government fight the funding of terrorism and money laundering activities, Federal law requires all financial 
institutions to obtain, verify and record information that identifies each person who opens an account. What this 
means to 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. 

About This Credit Card Program: This credit card program is issued and administered by Wilmington Savings 
Fund Society, FSB located in Wilmington, Delaware. Any Account opened in response to this application shall be 
governed by the laws of the State of Delaware. Visa is a registered trademark and service mark of Visa 
International Service Association, and is used pursuant to a license. 

Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit 
quality and other requirements. 

Balance Transfers: You may be able to transfer balances from eligible credit card accounts to your Account. 
Balance Transfers are subject to a fee based on the amount of the transfer with a minimum fee as 
indicated in the Fees Table above, and are subject to your available credit limit. If the total amount 
requested exceeds your available credit limit, we may send full or partial payment to your creditors in the order 
provided to us. 

We may limit the number and types of accounts from which we will allow Balance Transfers, and the times, 
manner, and circumstances in which Balance Transfers may be requested. Balance Transfers may not be payable 
to you or made payable to cash. Balance Transfers may be used to pay off other creditors, but cannot be used to 
pay down or to pay off accounts owned by WSFS Bank or to any bank now or previously affiliated with WSFS 
Bank. 

It may take 2 to 4 weeks to process a Balance Transfer request after your Account is opened. You must continue 
paying each of your creditors until the requested Balance Transfer appears on your monthly billing statement sent 
to you by your creditor as a credit. Your other account(s) will not be closed even if you transfer your entire 
balance(s). If you want to close such other account(s), please contact your other creditors directly. Note that if you 
have a dispute with a creditor and pay that balance by transferring it to your Account, you may lose certain dispute 
rights. 
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Introductory or Promotional APRs on Balance Transfers: If you take advantage of a 0% Introductory or 
Promotional Annual Percentage Rate (APR) Balance Transfer offer and then you use your Account to 
make new Purchases, you can avoid paying interest on those new Purchases if you pay the Minimum 
Payment Due and the total outstanding Purchases balance (this includes any fees that may have been 
assessed to your Account) by the Payment Due Date shown on your monthly billing statement. By 
following these instructions and paying timely, you will not be assessed interest on new purchases made 
during that billing cycle and you will be able to maintain the benefits of carrying balance transfer 
balances at the 0% introductory APR. 

Transfers requested with Convenience Checks are processed as Cash Advances, not as Balance 
Transfers. If you have a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience 
Check, you may lose certain dispute rights with that creditor. 

Your Telephone Number: When you give us your mobile phone number, we have your permission to contact 
you at that number about your Account. Your consent allows us to use text messaging, artificial or pre-recorded 
voice messages and automatic dialing technology for informational and Account service calls, but not for 
telemarketing or sales calls. It may include contact from companies working on our behalf to service your 
Account(s). Message and data rates may apply.  You may contact us anytime to change these preferences. 

Monitoring/Recording of Telephone Calls: You consent and agree that we, any of our affiliates, and any other 
persons that we authorize in accordance with applicable law, may monitor and/or record any and all telephone 
communications with you without any additional notice of such monitoring or recording, unless expressly required 
by applicable law. 

Information Sharing: WSFS Bank’s Privacy Policy is available online at www.wsfsbank.com/Privacy-Policy 

Important Notice & Acknowledgement: By signing or otherwise authorizing and submitting an application, you 
authorize Wilmington Savings Fund Society, FSB, its successors, assigns, employees and designated agents 
(together, "WSFS Bank", “us” or “our”), to gather and obtain credit, employment and other information about you, 
including credit bureau reports, that WSFS Bank may deem necessary or appropriate in order to evaluate your 
application for credit. If your application is approved and credit is extended to you, you further authorize WSFS 
Bank to re-verify any or all of such information from time to time, including obtaining additional credit bureau 
reports, for any legitimate or permissible purpose in connection with such extension of credit, such as for the 
purpose of reviewing the Account, increasing or decreasing the credit line on the Account, or for taking collection 
on the Account, and to furnish information concerning your Account and our credit experience with you to 
consumer reporting agencies and others who may properly receive that information. If you ask, you will be 
informed whether or not a consumer report was requested, and if a report was requested, you will be informed 
upon request of the name and address of the consumer reporting agency that furnished the report.  You agree 
that all credit card applications remain the property of WSFS Bank. By submitting a credit card application to 
WSFS Bank, you also certify that all the information you have provided is true and complete, that no essential 
information has been concealed, and that no misrepresentations have been made on the application.  If 
approved, you agree to the terms and conditions applicable to the Account for which you are approved. By 
submitting a credit card application to WSFS Bank you agree to the Credit Card Terms and Conditions, including 
the important rate, fee and cost information and the conditions of the Agreement, including the right of WSFS 
Bank to change terms and add new terms to the Account at any time. By activating a card or the Account or 
allowing an authorized person to activate or use a card or the Account, you personally agree to fully pay all 
amounts owed in connection with the Account as required by the Agreement. You also agree that the federal and 
state courts sitting in New Castle County, Delaware shall have exclusive jurisdiction over any judicial action or 
proceeding relating to or arising out of the Account or the Agreement, and you agree to submit to the personal 
jurisdiction of such courts.  You also agree to waive the right to a trial by jury.  You agree that the Account will 
only be used for lawful personal, family or household purposes.  You further acknowledge you are at least 18 
years of age (19 years of age for residents of Alabama or Nebraska or 21 years of age if you are a resident of 
Mississippi or Puerto Rico). 

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Notice to California Residents: Married applicants may apply for a separate account(s). 

Notice to New York Residents: Information About Applying for a Credit Card: When you sign or otherwise 
submit a credit application, you are providing your consent and authorizing WSFS Bank, and its successors, 
assigns, employees and designated agents to gather credit, employment and other information about you, 
including credit bureau reports, for purposes of evaluating your application for credit. If your application is 
approved and credit is extended to you, we may take steps to re-verify any or all of such information from time to 
time, including by obtaining additional credit bureau reports, for any legitimate purpose in connection with such 
extension of credit, such as for the purpose of reviewing the Account, increasing the credit line on the Account, or 
for collecting on the Account. In addition, we will furnish information concerning your Account to consumer 
reporting agencies and others who may properly receive that information.  If you ask, you will be informed 
whether or not a consumer report was requested, and if a report was requested, you will be informed upon 
request of the name and address of the consumer reporting agency that furnished the report. When you submit a 
credit application to us, you are certifying that you have not concealed essential information for determining your 
identity and creditworthiness, and that no misrepresentations have been made on the application.  If approved, 
you agree to abide by the terms and conditions applicable to the account. 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 or http://www.dfs.ny.gov. 

Notice to 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 Rhode Island and Vermont Residents: A consumer credit report may be ordered in connection with 
this application, or subsequently for purposes of review or collection of the Account, increasing the credit line on 
the Account, or other legitimate purposes associated with the Account. If you are a Vermont resident, you 
consent to the obtaining of such reports by signing or otherwise submitting a credit application. 

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement 
under Section 766.59 of the Wisconsin Statutes or court decree under Section 766.70, adversely affects the 
interest of the creditor, WSFS Bank, unless WSFS Bank, prior to the time of the credit is granted, is furnished a 
copy of that agreement, statement or decree, or has actual knowledge of the adverse provision when the 
obligation to WSFS Bank is incurred. IF I AM A MARRIED RESIDENT, CREDIT EXTENDED UNDER THIS 
ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.  Married applicants must 
provide their Social Security number and address and their spouse's name and address to WSFS Credit Card 
Services, P.O. Box 976, Claymont Delaware 19703. If the card from which you are applying is granted, you will 
notify WSFS Bank if you have a spouse who needs to receive notification that credit has been extended to you. 

Notice to Delaware and Oregon Residents. Service charges not in excess of those permitted by law will be 
charged to the outstanding balance from month to month. You may pay more than the minimum payment due, up 
to your entire balance, at any time. 

IMPORTANT INFORMATION ABOUT THE WSFS CASH BACK PROGRAM: The following contains the 
rewards program rules ("Program Rules") for the WSFS Bank Cash Back Visa Credit Card (the "WSFS Cash 
Back Program") and includes important conditions and limitations. Use of your Account constitutes your 
acceptance of each of the terms described below and the terms of the Agreement. Please read these Program 
Rules and keep this document in a safe place. Capitalized terms not defined in these Program Rules have the 
meaning ascribed to them in the Agreement. To qualify for participation in the WSFS Cash Back Program: 

D You must maintain an open and active Account that is not in default under the Agreement with us. 
D You must be an individual (corporations, partnerships, and other entities may not participate) and use the 

Account only for personal, family or household purposes. 

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How do I earn WSFS Cash Back? 

You will earn one 1% Cash Back on all new retail purchases made using your Account less credits, returns, and 
adjustments ("Net Purchases") charged in a billing cycle, subject to the other terms of the Agreement. 

Balance Transfers, Cash Advances, purchases made by or for a business or for a business purpose, purchases 
of travelers checks, money orders, lottery tickets, gambling chips, wire transfers, foreign currency, purchases or 
reloading of prepaid cards, or purchases of any other cash equivalents, fees, interest charges, and 
unauthorized/fraudulent transactions do not earn WSFS Cash Back. 

How can I redeem my WSFS Cash Back? 

WSFS Cash Back may only be redeemed upon the request of the primary Account holder at specified levels. In 
order to redeem for cash back, your WSFS Cash Back reward must equal $25 or more. You may choose to 
redeem your rewards as either a statement credit or a direct deposit to a checking or savings account of your 
choice. To redeem your cash reward, call 1-888-WSFSBank or visit wsfsbank.com and log in to WSFS Bank’s 
online banking system. 

Does WSFS Cash Back expire? 

D  For as long as the Account remains open and in good standing, and the WSFS Cash Back Program 
remains in effect, your cash rewards will not expire and there is no restriction on the amount of cash 
rewards that may be earned annually. 

D Your WSFS Cash Back rewards will be forfeited if your Account is closed for any reason, whether by you 

or by us.  See below for additional restrictions. 

Are There Any Other Redemption Restrictions? 

Yes, your Account must be open and in good standing in order to redeem WSFS Cash Back rewards. If your 
Account is closed for any reason, by you or by WSFS Bank, your participation in the WSFS Cash Back Program 
will be terminated and the total balance of any unredeemed/accumulated rewards will be forfeited. You will also 
forfeit any unredeemed/accumulated rewards if you cancel your participation in the WSFS Cash Back Program or 
if the WSFS Cash Back Program is terminated. We may, at our sole discretion, cancel, modify, restrict, or 
terminate the WSFS Cash Back Program or any aspects or features of the WSFS Cash Back Program at any 
time without prior notice.  All interpretations of the WSFS Cash Back Program shall be at our sole discretion.  In 
the event of any fraudulent, abusive, or gaming activity related to the WSFS Cash Back Program, as determined 
by us at our discretion, we reserve the right to make adjustments to your cash rewards and/or to cancel your 
participation in the WSFS Cash Back Program, close your Account at any time, and/or take whatever other 
actions or options may be available to us. Cash rewards have no cash value except when redeemed in 
connection with the WSFS Cash Back Program, and may not be used in place of payment, in whole or in part, of 
any portion of a required Minimum Monthly Payment or any other required payment on a credit card or other 
account owed to WSFS Bank. WSFS Cash Back may not be transferred or assigned. 

If you have any questions, you may contact WSFS Bank at 1-888-WSFSBank. 

© 2020 Wilmington Savings Fund Society, FSB. All rights reserved. 

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