Visa Infinite ENU 12

Banco Popular De Puerto Rico's filed agreement for Visa Infinite ENU 12 2025 discloses a 16.74% purchase APR, a $150 annual fee and a 0.01% introductory rate. That purchase rate ranks near the 19th percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from Banco Popular De Puerto Rico's CFPB filing for Visa Infinite ENU 12 2025. It is issued on the Visa network and the filing runs ten pages.

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

The introductory rate

An introductory rate of 0.01% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 0.01% sits at about the 60th percentile.

What matters more than the promotion is the rate waiting behind it: 16.74%. A $2,000 balance that survives the promotional window costs roughly $364 a year from that point on.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 16.74% lands at the 19th percentile; it is comfortably below what most issuers filed.

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

The arithmetic of revolving

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

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $76 cheaper for the same debt.

Month to month it reads as about $16.62 per cycle on that balance.

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

The fee structure

The annual fee is $150, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 96th percentile.

For scale, $150 is approximately what $896 of revolving balance would cost in interest over twelve months at this card's 16.74% rate.

For cash advances the filing discloses a cash advance APR of 27.74%. The premium over purchases is 11 percentage points. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Moving a balance onto this card carries an up-front charge of $2 or 2% of the amount transferred, whichever is greater, with the transferred balance priced at 16.74%. Shifting $7,500 across attracts something like $150 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.

What a missed payment costs

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

The grace period

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The typical filing here allows 25 days, so this one is tighter than most.

How it sits in the issuer's own range

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.

What the filing does not tell you

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

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

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

The purchase rate of 16.74% is one of the cheaper figures in this index — the central point in the agreement's favour. The $150 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.