WSFS Bank Mar 2025 Cash Back Card Agreement

The WSFS Bank Mar 2025 Cash Back Card Agreement filing from Wilmington Savings Fund Society sets out a purchase APR of 15.99%–24.99%, no annual fee and a nine-month 0% opening period. Against the 4,587 filings on this site, that rate lands around the 60th percentile.

What this filing discloses

Wilmington Savings Fund Society filed this agreement for WSFS Bank Mar 2025 Cash Back Card Agreement with the Consumer Financial Protection Bureau. The filing runs 21 pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

The promotional period

The filing discloses a 0% introductory rate running nine months. For that window, balances covered by the promotion accrue no interest at all.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

The go-to rate is 24.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $709 a year on $2,500.

Valued honestly, nine months at zero on $2,500 avoids about $532 of interest compared with the go-to rate — the whole of what the promotion delivers.

The purchase APR against the corpus

Rather than a single purchase rate, the document gives a band — 15.99% at the bottom, 24.99% at the top, 9 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 39th percentile at the bottom and the 60th at the top.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

The arithmetic of revolving

The purchase rate turns a $5,000 revolving balance into roughly $1,419 of annual interest.

Against the corpus median of 21.99%, that is approximately $190 a year of extra interest on the same $5,000.

Small balances do not get a proportionally small bill — the agreement imposes a $2 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What a missed payment costs

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 24.99%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Transfers are charged $10 or 3% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. On $2,000 that fee is about $60 before any interest is charged.

Spending abroad costs an extra 3% — about $30 on $1,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

The $2 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Inside Wilmington Savings Fund Society's filed lineup

4 separate Wilmington Savings Fund Society filings appear in the corpus. Their disclosed purchase rates run from 16.01% to 22.99%, and this one at 24.99% is more expensive than 3 of them.

What the filing does not tell you

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

Everything here is a reading of the filed agreement, 21 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 24.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.