1/22/2021

Credit Cards - Visa Premia Rewards

(https://www.popular.vi/)

Visa Premia Rewards - Terms and Conditions

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

1.99% introductory APR for the rst 6 months.

After that, your APR will be from 13.24% up to 26.24% , based on your
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creditworthiness. This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers

0.00% introductory APR and 0 payments from the transfer date for 12 months
and $0 balance transfer fee. Applies to transfers made within the rst 90 days
from account opening.

After that, your APR will be from 13.24% up to 26.24%, based on your
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creditworthiness. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances

24.24% to 28.24% when you open your account, based on your
creditworthiness.

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This APR will vary with the market based on the Prime Rate. 

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Credit Cards - Visa Premia Rewards

Interest Rates and Interest Charges

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. 

Paying Interest

How Long Will the Penalty APR Apply? If your APRs are increased for this
reason, the Penalty Rate will remain in eect 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 25 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 oers will not be taken into consideration in
determining the Grace Period. Please refer to the oer 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
(http://www.consumernance.gov/learnmore/)
.

Fees

Annual Fee

$0 Annual Fee  
$0 Additional Card Fee

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1/22/2021

Fees

Credit Cards - Visa Premia Rewards

Transaction Fees 

• Cash Advances and
Convenience Checks

• Balance Transfers

• Foreign Transaction

Penalty Fees 

• Returned Payment

• Late Payment

2% of the amount of each transaction (minimum $2; maximum $10)

2% of the amount of each transfer (minimum $2; maximum $10)

1% of each transaction in U.S. dollars for Visa International

Up to $10

Up to $38

How we will calculate your balance: We use a method called "average daily balance" (including new transactions).

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 conrm I have reviewed the credit card Price and Terms and agree to submit my application.

I authorize Popular to obtain my credit report, as specied 

here (/credit-report)
.

I conrm I have reviewed Popular’s Privacy Policy, as specied 

here (/privacy)
.

I agree with the website’s Terms of Use, as specied 

here (/terms)

.

I agree with the Electronic Banking Services Agreement, as specied 
here
(https://documents.popular.com/terms/mibanco/terms-conditions-en)
.

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1/22/2021

Credit Cards - Visa Premia Rewards



 Agree

Continue
Continue

The information on card costs described is correct as of December 31, 2020. 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 eective on April 17, 2015. This law requires nancial institutions to obtain,
verify, and record the information that identies persons opening accounts. The USA government created this law as a
measure to ght 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 identication with photo issued by the government.

Thanks for allowing us to serve you. Condentiality 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 3.25% in eect March
16, 2020.

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1/22/2021

Credit Cards - Visa Premia Rewards

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Credit Cards - Visa Premia Rewards

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®

1.888.724.3659

Hearing impaired (TDD)

1.800.981.9666

Contact us

Rte 308, Charlotte Amalie West, St Thomas 00802, USVI

© 2021 Popular. Member FDIC, except BVI.

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