The Wells Fargo Outdoor Solutions Visa credit card is issued by Wells Fargo Financial National Bank. Special terms apply to qualifying purchases charged with approved credit. The special terms APR of 12.9% will apply to the qualifying purchase, and 50 monthly payments equal to 2% of the special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date; no other balances are currently carried or will be carried on the account; and no additional charges are or will be added to the account. Because your actual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will continue to apply until all qualifying purchase are paid in full. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For newly opened accounts, the APR for Purchases is 12.9% This APR may vary with the market based on the U.S. Prime Rate and is given as of 01/01/2014. If you are charged interest in any billing cycle, the minimum interest charge will be 1.00.