WSFS Bank Platinum Visa Pricing Information

Wsfs Bank's filed agreement for WSFS Bank Platinum Visa Pricing Information discloses a purchase APR of 10.49%–19.49%, no annual fee and a 0% opening rate. That purchase rate ranks near the 41st percentile across this corpus of 4,587 filings.

What this filing discloses

What follows is drawn entirely from Wsfs Bank's CFPB filing for WSFS Bank Platinum Visa Pricing Information. The filing runs four pages, and It is issued on the Visa network.

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. It is silent on a balance transfer rate and a penalty rate.

What the promotional rate is worth

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

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.

Once the introductory period ends the rate becomes 19.49%, which turns a lingering $1,000 balance into approximately $215 of annual interest.

The purchase APR against the corpus

This is a tiered agreement: the filing discloses a purchase APR anywhere from 10.49% to 19.49%, a spread of 9 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

The floor of that band sits at about the 12th percentile of filed purchase rates; the ceiling sits at about the 41st. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The cost of carrying a balance

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $323 in interest.

A typical filing in this index would charge about $369 on that balance; this one is roughly $46 a year below it.

Per statement cycle that is on the order of $24.22 on $1,500, which is the number that actually shows up on a bill.

There is also a floor: the filing sets a minimum interest charge of $2, so any cycle that accrues less than that is billed at $2 anyway.

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.

Fees, and what triggers them

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 24.99%. That is 5.5 points above the purchase rate.

A balance transfer costs $10 or 3% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. On $5,000 that fee is about $150 before any interest is charged.

Spending abroad costs an extra 3% — about $60 on $2,000 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

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

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

When a payment is late

On the fee side, a late payment can cost up to $35, which is around the 54th percentile here.

Inside Wsfs Bank's filed lineup

4 separate Wsfs Bank filings appear in the corpus. Their disclosed purchase rates run from 17.76% to 21.49%, and this one at 19.49% is more expensive than 1 of them.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

19.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.