After that, your APR will be from
18.24% to 31.24% based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
0.00% introductory APR and 0 payment from the transfer date
for 12 months and $0 balance transfer fee. Applies to transfers made within the first 90 days
from account opening.
After that, your APR will be from
18.24% up to 31.24%, based on your creditworthiness. This
APR will vary with the market based on the Prime Rate.
APR for Cash Advances
29.24% to 33.24%, when you open your account based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
29.99% This APR may be applied to your account if you miss a
required minimum payment for a period of sixty (60) consecutive days from its due date.
How Long Will the Penalty APR Apply? If your APRs are increased for this
reason, the Penalty Rate will remain in effect until the account becomes current and 6
consecutive required minimum payments are received on or before the payment due date.
Your due date is at least 21 days after the close of each billing cycle. You will not be charged
interest from the time you purchased goods or services, if you pay your full account balance by
the Payment Due Date. In the event you don't pay the full account balance, while in the Grace
Period, you will not pay interest on the amount paid for that cycle. On subsequent cycles you
will not have a Grace Period until you pay your full account balance on time for two cycles in a
row. Amounts related to certain offers will not be taken into consideration in determining the
Grace Period. Please refer to the offer terms and conditions. The No Grace Period Transactions
begin to accrue interest on the date they are posted and remain subject to Interest Charges
until paid in full.
For Credit Card Tips from the Consumer Financial Protection Bureau
2% of the amount of each transaction (minimum $2; maximum $10)
2% of the amount of each transfer (minimum $2; maximum $10)
• Returned Payment
• Late Payment
How we will calculate your balance: We use a method called "average daily balance" (including
Loss of introductory APR: We may end your introductory APRs and apply the corresponding APRs if
you close your account or if you miss a payment.
Billing Rights: Information on your right to dispute transactions and how to exercise this
right is provided in your Credit card Agreement.
I confirm I have reviewed the credit card Price and Terms and agree to submit my application.
I authorize Popular to obtain my credit report, as specified here.
I agree with the Electronic Banking Services Agreement, as specified here.
You must agree to continue.
The information on card costs described is correct as of
This information may have varied after this date. To verify what may have changed in this information
call (787) 758-0505 or toll free 1-800-981-9505 or write to the following address:
Popular de Puerto Rico
Card Products Division (643)
PO BOX 363228, San Juan, Puerto Rico 00936-3228
IMPORTANT NOTICE USA PATRIOT ACT
Section 326 of the USA PATRIOT Act was effective on April 17, 2015. This law requires financial
institutions to obtain, verify, and record the information that identifies persons opening accounts. The
USA government created this law as a measure to fight terrorism and money laundering.
When you open an account:
We will ask your name, home or street address, date of birth, social security number, and any other
information deemed necessary to allow us to positively identify you.
We will ask to see your valid driver's license or other valid identification with photo issued by
Thanks for allowing us to serve you. Confidentiality of the information gathered by Popular, Inc. will
be maintained as required under the Privacy Act.
1 For each billing period, the Interest Charge and APR will be determined by adding
the Prime Rate, as published by the
Wall Street Journal, to a margin. The variable
rates illustrated are based on a Prime Rate of 8.25% in effect May 4, 2023.
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