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March 2009 Credit Card Survey

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W

Wachovia Platinum Visa Card

1525 West Wt Harris Blvd Charlotte, NC 28262

  • Card issued by : Wachovia Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : 6% or Prime (whichever is greater plus index) 02.99 - 013.99%
  • Purchase APR : 8.99-19.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the balance (waived once every 12 months) depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Past due over 30 days three times or past due over 60 days
  • Maximum Default APR :Prime + 16.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    12 months
    None
    03.00%
    N/A
    $10
    $99 (intro only)    		 21.15%
    N/A
    None
    N/A
    04.00%
    $5
    None
  • Rebate Description: N/A
  • Special Notes: Quasi-Cash fee (purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips): 4% of the transaction amount ($5 minimum). Wire transfer fee: 4% of the transaction amount ($5 minimum).

Wachovia Visa Card With Possibilities RewardsTM Platinum

1525 West Wt Harris Blvd Charlotte, NC 28262

  • Card issued by : Wachovia Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest,Reward Points
  • Margin Index : 6% or Prime (whichever is greater plus index) 2.99 - 13.99%
  • Purchase APR : 8.99-19.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the balance (waived once every 12-month period) depending on balance
  • Penalty/Default APR : 29.99%
  • Penalty/Default Trigger : Past due over 30 days three times or past due over 60 days
  • Maximum Default APR :Prime + 16.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 0%
    12 months
    None
    03.00%
    N/A
    $10
    $99 (intro only)    		 21.15%
    N/A
    None
    N/A
    04.00%
    $5
    None
  • Rebate Description: Combine Possibilities Rewards along with the points you earn on your Wachovia Visa$reg; Check Card enrolled in Visa Extras. Points will be earned based on net dollars of purchases at rate of: 2 points per dollar for Classic with Rewards, 4 points per dollar for Platinum with Rewards, and 6 points per dollar for Signature. Balance transfers, cash advances, purchases of money orders or other cash equivalents, use of Convenience Checks and fees or finance charges do not earn points. The total number of purchase points that may be earned is 1 million per year, based on your account anniversary date. Points expire after 5 years. Points may be redeemed for cash back, free travel or merchandise certificates and gift cards which may be redeemed with participating merchants.
  • Special Notes: Quasi-Cash fee (purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips): 4% of the transaction amount ($5 minimum). Wire transfer fee: 4% of the transaction amount ($5 minimum).

Wells Fargo Bank Home Rebate Card

420 Montgomery Street San Francisco, CA 94104

  • Card issued by : Wells Fargo Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Cash Back
  • Margin Index : Prime + 5.90% - 16.90%
  • Purchase APR : 9.15% - 20.15%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If a minimum monthly payment is not received for two consecutive billing periods or if the credit limit is exceeded for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00 - 5.90%
    6-9 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00 - 5.90%
    6-9 months
    None
    03.00%
    N/A
    $5
    $99 (intro only)    		 20.15%
    N/A
    None
    N/A
    04.00%
    $10 - $20
    None
  • Rebate Description: Earn a 1% rebate on your net purchases towards the principal balance of your eligible Wells Fargo mortgage loan.
  • Special Notes:

Wells Fargo Cash BackSM Visa Card

420 Montgomery Street San Francisco, CA 94104

  • Card issued by : Wells Fargo Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Cash Back
  • Margin Index : Prime + 05.90% - 16.90%
  • Purchase APR : 9.15% - 20.15%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If a minimum monthly payment is not received for two consecutive billing periods or if the credit limit is exceeded for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00% to 05.9%
    6-9 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00% - 05.9%
    6-9 months
    none
    03%
    N/A
    $5
    $99 (intro only)    		 20.15%
    N/A
    None
    N/A
    04%
    $10 - $20
    None
  • Rebate Description: Earn up to 1% cash back when you make purchases with the Wells Fargo Cash Back Platinum Card.
  • Special Notes:

Wells Fargo College Visa Card

420 Montgomery Street San Francisco, CA 94104

  • Card issued by : Wells Fargo Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Student
  • Margin Index : Prime + 06.24% - 15.8%
  • Purchase APR : 09.49% - 19.05%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If a minimum monthly payment is not received for two consecutive billing periods or if the credit limit is exceeded for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		05.9% - 13.9%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 05.9% - 13.9%
    6 months
    None
    03%
    N/A
    $5
    $99 (intro only)    		 20.80%
    N/A
    None
    N/A
    04%
    $10 - $20
    None
  • Rebate Description: Add the optional rewards program for $19 per year. Earn points toward airfare on any major U.S. airline, gift certificates, cash rebates, and more.
  • Special Notes:

Wells Fargo Secured Visa

420 Montgomery Street San Francisco, CA 94104

  • Card issued by : Wells Fargo Bank
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Poor/No Credit
  • Margin Index : Prime + 13.24%
  • Purchase APR : 16.49%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : $300
  • Maximum Credit Limit : $10,000
  • Annual Fee : $18
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If a minimum monthly payment is not received for two consecutive billing periods or if the credit limit is exceeded for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 3%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    N/A
    N/A
    $5
    $99 (intro only)    		 18.80%
    N/A
    None
    N/A
    04%
    $10 - $20
    None
  • Rebate Description: Add the optional rewards program for $19 per year. Earn points toward airfare on any major U.S. airline, gift certificates, cash rebates, and more.
  • Special Notes:

Wells Fargo Visa Personal Platinum Card

420 Montgomery Street San Francisco, CA 94104

  • Card issued by : Wells Fargo Bank
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Low Interest,Regular
  • Margin Index : Prime + 02.90% -16.40%
  • Purchase APR : 06.15% - 19.65%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0
  • Over-the-Limit Fee : $35 depending on balance
  • Late Payment Fee : $20 - $39 depending on the acct balance on the fee assessment date. depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : If a minimum monthly payment is not received for two consecutive billing periods or if the credit limit is exceeded for two consecutive billing periods.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 03%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00% to 05.9%
    Up to 9 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00% - 05.9%
    Up to 9 months
    None
    03%
    N/A
    $5
    $99 (intro only)    		 19.65%
    N/A
    None
    N/A
    04%
    $10 - $20
    None
  • Rebate Description: Add the optional rewards program for $19 per year. Earn points toward airfare on any major U.S. airline, gift certificates, cash rebates, and more.
  • Special Notes:

Wilmington Trust MasterCard

1100 North Market Street, Rodney Square North Wilmington, DE 19890

  • Card issued by : Wilmington Trust
  • Card Type : MasterCard
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index : 26 week T bill + 11.50%
  • Purchase APR : 12.00%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $18.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :23.50%
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    03.00%
    N/A
    $5.00
    $75    		 16.00% V
    N/A
    None
    N/A
    03.00%
    $5.00
    $75
  • Rebate Description: N/A
  • Special Notes: None

Wilmington Trust MasterCard Gold

1100 North Market Street, Rodney Square North Wilmington, DE 19890

  • Card issued by : Wilmington Trust
  • Card Type : MasterCard
  • Card Class : Gold
  • Card Category : Low Interest
  • Margin Index : 26-week U.S Treasury Bill 09.50%
  • Purchase APR : 10.00%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : $25,000
  • Annual Fee : $40.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    03.00%
    N/A
    $5
    $75    		 14.00% V
    N/A
    None
    N/A
    03.00%
    $5
    $75
  • Rebate Description:
  • Special Notes: None

Wilmington Trust Visa

1100 North Market Street, Rodney Square North Wilmington, DE 19890

  • Card issued by : Wilmington Trust
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Regular
  • Margin Index : 26 week T bill + 11.50%
  • Purchase APR : 12.00%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : N/A
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :25.50%
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		None
    N/A
    25 days
    N/A
    N/A
    N/A
    N/A    		 None
    N/A
    None
    03.00%
    N/A
    $5.00
    $75    		 16.00% V
    N/A
    None
    N/A
    03.00%
    $5.00
    $75
  • Rebate Description: N/A
  • Special Notes: None

Wilmington Trust Visa Platinum

1100 North Market Street, Rodney Square North Wilmington, DE 19890

  • Card issued by : Wilmington Trust
  • Card Type : Visa
  • Card Class : Platinum
  • Card Category : Regular
  • Margin Index : Prime + 05.99%
  • Purchase APR : 9.24%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : $25,000
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $35.00 depending on balance
  • Late Payment Fee : $29.00 depending on balance
  • Penalty/Default APR : Unknown
  • Penalty/Default Trigger : Unknown
  • Maximum Default APR :
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0.00%
    6 months
    25 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    6 months
    None
    03.00% (waived for intro)
    N/A
    $5.00
    $75    		 13.24% V
    N/A
    None
    N/A
    03.00%
    $5.00
    $75
  • Rebate Description: N/A
  • Special Notes: None

World of Warcraft Rewards Visa®

1 First National Cir Omaha, NE 68102

  • Card issued by : First National Bank of Omaha
  • Card Type : Visa
  • Card Class : Classic/Standard
  • Card Category : Reward Points
  • Margin Index : Prime + 5.74 - 9.74% (13.99 - 17.99% floor)
  • Purchase APR : 13.99 - 17.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $0
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $35-$39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger :
  • Maximum Default APR :27.99%
  • Universal Default Clause : Yes
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		00.00%
    6 months
    20 days
    N/A
    N/A
    N/A
    N/A    		 00.00%
    6 months
    N/A
    03.00%
    N/A
    $10
    None    		 19.99%
    N/A
    N/A
    N/A
    03.00%
    $15
    None
  • Rebate Description: Receive a month of World of Warcraft game time with your first purchase using the World of Warcraft Rewards card. Accrue World of Warcraft game time at the rate of 1% of every dollar in qualifying purchases. 1,500 points redeemable for one month of online game time at blizzard.com. Points will expire on or after the fifth anniversary of when they were awarded.
  • Special Notes:

Wyndham Rewards MastercardSM

PO Box 15020 Wilmington, DE 19850

  • Card issued by : Bank of America
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Airline/Travel Rewards
  • Margin Index : N/A 6.74 - 14.74%
  • Purchase APR : 9.99 - 17.99%
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit : N/A
  • Maximum Credit Limit : N/A
  • Annual Fee : $0.00
  • Over-the-Limit Fee : $39 depending on balance
  • Late Payment Fee : $15 - $39 depending on balance
  • Penalty/Default APR : 27.24%
  • Penalty/Default Trigger : Each time payment is late (i.e. not received by 5 p.m. on the due date), or the account is over the limit the penalty rate may be applied.
  • Maximum Default APR :None
  • Universal Default Clause : No
  • Foreign Currency Fee : 03.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		N/A
    N/A
    20 days
    N/A
    N/A
    N/A
    N/A    		 0.00%
    12 months
    None
    03.00% (4% after intro)
    N/A
    $10
    None    		 24.24%
    N/A
    None
    N/A
    04.00%
    $10
    None
  • Rebate Description: Earn 2 points per dollar in net retail purchases. Earn 13 points per dollar in qualifying hotel stays. Redeem points for travel, resort vacations, gift certificates, entertainment, rental cars, merchandise, and more. No limit on the amount of points you can earn. Points expire 4 years from the date they post to your account.
  • Special Notes: Transaction fee for the purchase of wire transfers from a non-financial institution: 5% of each such transaction (minimum $15).
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Last Updated: March 31, 2009 by CardRatings.com. ®1998-2009; U.S. Citizens for Fair Credit Card Terms, Inc. All rights reserved.