Banco Popular de Puerto RicoVisa InfiniteRegistry illustration · issuer artwork unavailable

Visa InfiniteBanco Popular de Puerto Rico · SM bank, NY · FDIC 34968

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

Open the document Download JSONAdd to compare

Purchase APR

—

Balance transfer

16.74%–29.74%

p.1variable

Cash advance APR

27.74%–31.74%

p.1variable

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	16.74%–29.74% variableBanco Popular de Puerto Rico · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“16.74% to 29.74% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”Banco Popular de Puerto Rico · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	27.74%–31.74% variableBanco Popular de Puerto Rico · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“27.74% to 31.74% , when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”Banco Popular de Puerto Rico · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Visa Infinite ENU 12-2025page 1 of 10

Credit Card Agreement for Visa Infinite from Banco Popular de Puerto Rico

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 16.74% up to 29.74% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers · 16.74% to 29.74% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances · 27.74% to 31.74% , when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Paying Interest · 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 do not 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. · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees Annual Fee · $150 Annual Fee ² $0 Additional Card Fee Transaction Fees • Cash Advances and Convenience Checks • Balance Transfers • Foreign Transaction · 2% of the amount of each transaction (minimum $2 ; maximum $10 ) 2% of the amount of each transfer (minimum $2 ; maximum $10 ) None Penalty Fees • Returned Payment • Late Payment · Up to $10 Up to $40

How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)". Please refer to the account Credit Card Agreement for more details.

Billing Rights : Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See Your Billing Rights section for full details.

1 The corresponding Daily Periodic Rate for the Introductory APR is 0.0055%.

² The annual fee will appear on the first statement after the card is issued and, subsequently, on each account anniversary for the amount specified in the account opening disclosures.

1 2 3 4 5 6 7 8 9 10Pages 1 and 4 and 5 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Banco Popular de Puerto Rico
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“16.74% to 29.74% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
Banco Popular de Puerto Rico
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“27.74% to 31.74% , when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.”
Read exact source ↗
Banco Popular de Puerto Rico
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“pay the full account balance on time. There is no Grace Period for Balance Transfer or Cash Advances or when you use Convenience Checks”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Banco Popular de Puerto Rico
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“pay the full account balance on time. There is no Grace Period for Balance Transfer or Cash Advances or when you use Convenience Checks”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Banco Popular de Puerto Rico
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 4
“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 do not pay the full”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer APR, Cash advance APR

Offered through: Banco Popular de Puerto Rico
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34968
Branches: 164 in NY, PR, VI
Sources: Official issuer · 2 documents · 3 pages cited

Documents

Visa Infinite ENU 12-2025effective date not parsed
Visa Infinite ESP 12-2025effective date not parsed

Visa InfiniteBanco Popular de Puerto Rico · SM bank, NY · FDIC 34968

Rates and fees