JetBlue Mastercard ENU 12

On the record for JetBlue Mastercard ENU 12 2025: a 16.74% purchase APR, no annual fee and a 1.99% introductory rate, filed by Banco Popular De Puerto Rico. The purchase rate sits at roughly the 19th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

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

The filing is explicit about 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.

Introductory pricing

A promotional rate of 1.99% applies for six months under this agreement — lower than the standard rate, but not free.

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

The go-to rate is 16.74%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $911 a year on $5,000.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 16.74% lands at the 19th percentile; it falls in the low band of the corpus.

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

At the disclosed purchase APR, $5,000 revolving for a full year costs something like $911 in interest.

Priced at the median of 21.99%, that balance would generate about $1,229 in a year — so this agreement comes in around $318 cheaper for the same debt.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance APR of 27.74%. The premium over purchases is 11 percentage points. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

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.

Foreign transactions attract 1.4%. On $2,000 of overseas spending that is $28, charged on top of whatever exchange rate applies.

What a missed payment costs

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Paying in full

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

Banco Popular De Puerto Rico has 26 agreements indexed on this site. The others all file the same 16.74% purchase rate. Whatever separates these products, it is not the cost of borrowing.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

The document itself

The original filing, 10 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

16.74% places this filing at the inexpensive end of the set, which is the headline here. The absence of an annual fee means the rate is the only thing that can make this card expensive.