JetBlue Mastercard Eleva ENU (VI) 12

JetBlue Mastercard Eleva ENU (VI) 12 2025, as filed by Banco Popular De Puerto Rico, carries a 16.74% purchase APR, a $99 annual fee and a 1.99% introductory rate. That purchase rate ranks near the 19th percentile across this corpus of 4,587 filings.

What this filing discloses

This page covers the agreement Banco Popular De Puerto Rico filed for JetBlue Mastercard Eleva ENU (VI) 12 2025. It is issued on the Mastercard network and the filing runs ten pages.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a balance transfer rate and a penalty rate.

The promotional period

The introductory rate is 1.99%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

Among the 763 filings here that disclose an introductory rate, 1.99% sits at about the 66th percentile.

What matters more than the promotion is the rate waiting behind it: 16.74%. A $1,000 balance that survives the promotional window costs roughly $182 a year from that point on.

Where the purchase APR sits

Measured against every other filing on the site, 16.74% is about the 19th percentile for purchase APR; it reads as inexpensive against the rest of the filings.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

The cost of carrying a balance

Carry $1,000 on this card for a year without paying it down and the purchase rate alone generates roughly $182 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,000 would cost about $246 a year. This filing saves roughly $64 annually against that benchmark.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Default pricing

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

The fee structure

The annual fee is $99, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 93rd percentile.

One way to size that fee: at the card's own purchase rate of 16.74%, $99 is roughly the interest a balance of about $591 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Cash advances carry a cash advance APR of 27.74%. That is 11 points above the purchase rate.

Transfers are charged $2 or 2% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Shifting $2,000 across attracts something like $40 in fees on day one.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The no-interest path

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That is shorter than the 25-day corpus median.

Inside Banco Popular De Puerto Rico's filed lineup

There are 26 filings from Banco Popular De Puerto Rico in this index. Pricing across this issuer's filings is uniform at 16.74% — the rate table does not distinguish one of its cards from another.

Among the issuer's other filings that disclose a fee, 8 of 12 come in below this card's $99.

The limits of this document

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

This summary stands or falls on the linked PDF — ten pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The purchase rate of 16.74% is one of the cheaper figures in this index — the central point in the agreement's favour. The $99 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.