WSFS Bank Mar 2025 Platinum Card Agreement

On the record for WSFS Bank Mar 2025 Platinum Card Agreement: a purchase APR of 13.99%–22.99%, no annual fee and a nine-month 0% opening period, filed by Wilmington Savings Fund Society. The purchase rate sits at roughly the 54th percentile of the 4,587 agreements indexed here.

The disclosed terms

Wilmington Savings Fund Society submitted the terms for WSFS Bank Mar 2025 Platinum Card Agreement to the CFPB's agreement database; this is what they contain. The filing runs 20 pages.

The filing is explicit about 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

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.

What matters more than the promotion is the rate waiting behind it: 22.99%. A $1,000 balance that survives the promotional window costs roughly $258 a year from that point on.

Valued honestly, nine months at zero on $1,000 avoids about $194 of interest compared with the go-to rate — the whole of what the promotion delivers.

Pricing the purchase rate

This is a tiered agreement: the filing discloses a purchase APR anywhere from 13.99% to 22.99%, 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.

Those two numbers occupy very different places in the corpus: roughly the 27th percentile at the bottom and the 54th at the top.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

Translating the rate into money

The purchase rate turns a $4,000 revolving balance into roughly $1,034 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $50 more per year.

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.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Charges beyond interest

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.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 24.99%. The premium over purchases is 2 percentage points. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

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 $2,000 that fee is about $60 before any interest is charged.

Foreign transactions attract 3%. On $2,000 of overseas spending that is $60, charged on top of whatever exchange rate applies.

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

What a missed payment costs

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. 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.

The issuer's other agreements

There are 4 filings from Wilmington Savings Fund Society in this index. Across that lineup purchase rates span 16.01% to 24.99%; this filing's 22.99% sits above 2 of the comparable ones.

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.

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.

Where the authority sits

This summary stands or falls on the linked PDF — 20 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 22.99% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.