Banco Popular de Puerto Rico Visa Cash Rewards
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| Purchase APR (Variable APR) |
17.74% - 30.74% (Verified 02/15/2023) |
| Balance Transfer APR (Variable APR) |
17.74% - 30.74% (Verified 02/15/2023) |
| Credit Score Range | 670 - 850 |
| Annual Fee | $0 |
Banco Popular de Puerto Rico Visa Cash Rewards Review
This is a cashback card issued by Banco Popular de Puerto Rico. If you're wondering whether Banco Popular Visa Cash Rewards is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.74% up to 30.74%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 2% Balance transfer fee. Banco Popular de Puerto Rico Visa Cash Rewards charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, travel accident insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Banco Popular Visa Cash Rewards
| The Good | The Bad |
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Banco Popular Visa Cash Rewards FAQ
Does Banco Popular Visa Cash Rewards have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) |
Does Banco Popular Visa Cash Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Banco Popular Visa Cash Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Banco Popular Visa Cash Rewards benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Banco Popular Visa Cash Rewards?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Banco Popular de Puerto Rico Visa Cash Rewards has a variable purchase APR that ranges from 17.74% up to 30.74%. The card has a variable balance transfer APR that ranges from 17.74% up to 30.74%. It also has a variable cash advance APR that ranges from 28.74% up to 32.74%.
Does Banco Popular Visa Cash Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 17.74% - 30.74% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 2% |
Does Banco Popular Visa Cash Rewards have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Banco Popular Visa Cash Rewards?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $10 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Banco Popular Visa Cash Rewards have a foreign transaction fee?
Banco Popular Visa Cash Rewards charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Banco Popular Visa Cash Rewards?
The Banco Popular Visa Cash Rewards customer service number is (787) 724-3650.
What is the support contact email for Banco Popular Visa Cash Rewards?
The support contact email for Banco Popular Visa Cash Rewards is popularnet@popular.com.
What is the Banco Popular Visa Cash Rewards login page?
You can access the Banco Popular Visa Cash Rewards login page here.
How do people rate the customer service and user experience of Banco Popular Visa Cash Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Banco Popular de Puerto Rico Visa Cash Rewards report your account activity to credit bureaus?
Yes, Banco Popular de Puerto Rico Visa Cash Rewards reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Banco Popular Visa Cash Rewards
- Visit the Banco Popular Visa Cash Rewards website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
85 Broad Street
New York, NY 10004 USA - (787) 724-3650
- Visit Site
- Email Support
Other Services by Banco Popular de Puerto Rico
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $2 |
| Cash Advance Fee (%) | 2% |
| Minimum Cash Advance Fee ($) | $2 - $10 |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $10 |
| Late Fee Amount | Up to $40 |
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