JetBlue Mastercard ENU (VI)12

Banco Popular De Puerto Rico's filed agreement for JetBlue Mastercard ENU (VI)12 2025 discloses a 16.74% purchase APR, no annual fee and a 1.99% introductory rate. That purchase rate ranks near the 19th percentile across this corpus of 4,587 filings.

What the document actually states

Banco Popular De Puerto Rico submitted the terms for JetBlue Mastercard ENU (VI)12 2025 to the CFPB's agreement database; this is what they contain. It is issued on the Mastercard network and the filing runs ten pages.

Terms captured from the document include 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

For the first six months the filing sets a reduced rate of 1.99%. Balances still cost something during that window.

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

Behind the promotion sits a 16.74% purchase rate. On $2,500 that is in the region of $455 a year once the window closes.

The purchase APR against the corpus

Ranked against the corpus, this purchase APR — 16.74% — sits at approximately the 19th percentile and sits well down in the cheaper fifth of the set.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

What the rate means in dollars

The purchase rate turns a $1,200 revolving balance into roughly $219 of annual interest.

A typical filing in this index would charge about $295 on that balance; this one is roughly $76 a year below it.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

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.

The filing sets a 1.4% foreign transaction fee, which adds roughly $21 to $1,500 spent outside the United States.

Penalty pricing and late fees

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

The no-interest path

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

Inside Banco Popular De Puerto Rico's filed lineup

Banco Popular De Puerto Rico has 26 agreements indexed on this site. Pricing across this issuer's filings is uniform at 16.74% — the rate table does not distinguish one of its cards from another.

The limits of this document

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

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. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.