Visa AA Signature Plus ENU 12

Visa AA Signature Plus ENU 12 2025, as filed by Banco Popular De Puerto Rico, carries a 16.74% purchase APR, a $50 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

Visa AA Signature Plus ENU 12 2025 is one of the agreements Banco Popular De Puerto Rico has on file with the CFPB. The filing runs ten pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

What the promotional rate is worth

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.

Behind the promotion sits a 16.74% purchase rate. On $2,000 that is in the region of $364 a year once the window closes.

The purchase APR against the corpus

16.74% puts the purchase APR near the 19th percentile across 2,280 agreements, so it reads as inexpensive against the rest of the filings.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

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

What a balance actually costs

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $364.

Priced at the median of 21.99%, that balance would generate about $492 in a year — so this agreement comes in around $127 cheaper for the same debt.

Broken down to a single thirty-day cycle, the same balance accrues roughly $27.70.

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

What the card costs before you borrow

Holding the card costs $50 a year before any transaction takes place — about the 88th percentile among agreements in this index that state a fee.

Expressed in the card's own terms, the $50 fee equals about a year's interest on a $299 balance at the disclosed 16.74% purchase rate.

For cash advances the filing discloses a cash advance APR of 27.74%. Cash is therefore 11 points dearer than buying something with the card.

Transfers are charged $2 or 2% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Shifting $5,000 across attracts something like $100 in fees on day one.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

The grace period

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

The downside terms

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

The issuer's other agreements

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

Its $50 annual fee is higher than 6 of the 12 sibling filings that state one.

What you cannot learn from the filing

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

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

16.74% places this filing at the inexpensive end of the set, which is the headline here. The $50 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.