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Top alternatives to
Penfed cards FROM
OUR PARTNERS

When it comes to choosing a credit card to apply for, low or $0 annual fee, 0% intro APR on purchases, attractive sign-up bonus, and worthwhile rewards program are definitely the most enticing features. But if you live in Puerto Rico, you also have to find the right bank. For example, PenFed is one of largest federal credit union operating in Puerto Rico. PenFed Power Cash Rewards Visa Signature® credit card could be a good choice. However, US banks are not inferior. Many of them offer credit cards for residents of Puerto Rico, which are often even more beneficial. Below, we have collected the best deals for you to compare and apply.

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our choice

Rating 5.0
on Citi's secure website
Rating 4.3
on Citi's secure website
Rating 4.7
on Citi's secure website
REWARDS
Rewards bonus
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
$100 Statement Credit when you spend $1,500 in the first 90 days60
No
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
No
Max. rewards
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1.5% Cash Back on all purchases made with your card60
-
Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards on everyday purchases
Earn 1X ThankYou® Points on All Purchases
1.5% Cash Back on all purchases made with your card60
-
Earn Points on Every Purchase! It's simple: $1 = 1 Point
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards expiration
Points do not expire*
Rewards never expire.60
-
No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
Your cash rewards balance will expire if you have not earned any cash back from purchases or payments for 12 months*
Credit card usage
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% (15 months on Purchases)
N/A60
0% (18 months on Purchases)
0% (12 months on Purchases)
N/A
Regular APR
13.49% - 23.49% (Variable)
14.99% to 17.99%60
14.74% - 24.74% (Variable)
12.90% - 22.90% Variable APR
13.99% – 23.99% (Variable)
Annual fee
$0
None60
$0
$0
$0
Foreign transaction fee
3%
None60
3%
No
3%

Check out
credit card WITH REWARDS
2020

Citi Rewards+ Card apply
on Citi's secure website
Rating 5.0

GREAT BONUS OFFER

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

GOOD REWARDS

  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Expert's opinion

The no annual fee Citi Rewards+ Card comes with a welcome bonus offer and allows to earn 2x ThankYou® points at gas stations and supermarkets for the first $6,000 per year and then 1x points after that. All other purchases will earn unlimited 1x points. But those are not all the perks the card has to offer. It is the only card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Meaning no matter how small your purchase is, it will always earn at least 10 points.

Excellent Credit

US credit cards'
advantages FOR
PUERTO RICO RESIDENTS

Reap Benefits from a Rewards Program
Attractive Features and Favorable Terms

If you are eager to snatch a top-end credit card that will meet your needs, credit cards from US banks will contribute to it. The credit cards above can offer you auspicious interest rates and fees along with enticing bonuses and perks. Earn rewards on all purchases you make in Puerto Rico or outside the island. Some cards will additionally bring you increased amounts for specified categories like grocery stores, dining out, travel, gas, etc. To benefit even more, don't miss the opportunity to take advantage of the welcome bonus offered by the card. Also, keep in mind that with 0% intro APR, you can save on purchases to a considerable extent during the first 6-18 months. And you will undoubtedly like the $0 annual fee, as it will help get rid of extra costs.

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apply on Citi's secure website

The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Make Use of a Sign-Up Bonus
Wide Acceptance in Puerto Rico and Worldwide

Having chosen one of the US credit cards presented in the table above, you can be sure to face no problems when using it in Puerto Rico. All these credit cards are issued on the base of the major credit card networks: Visa, Mastercard, or Discover. It makes them widely accepted by Puerto Rico merchants, service companies, and other institutions. You can access your money at thousands of ATMs throughout the island as well if necessary. Besides, you won't have to worry even if you intend to travel abroad. The cards will become your faithful companions on trips overseas.

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Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Take Advantage of a 0% Intro APR
Low Interest Rates on Purchases and Balance Transfers

Many US credit cards offer either a 0% intro APR on purchases or balance transfers or both. Whether you need to transfer a balance to pay it off at a low rate or maybe you need time to pay off a big purchase, you can find a suitable credit card with a zero introductory period that is comfortable for you. Even if you are a resident of Puerto Rico, there are great 0% intro APR credit card offers for you as well. Just remember to pay attention to fees and go-to interest rates when choosing a low rate credit card. Remember that a zero introductory interest rate won't stay with you forever, and when the introductory period is over, an ongoing interest rate will apply.

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apply on Citi's secure website

Intro APR on Purchases: N/A

Ongoing APR: 13.99% – 23.99% (Variable)

Updated: Sep 30, 2020

questions ABOUT
CREDIT CARDS

Is Mastercard Standard credit card from Oriental Bank a good choice?

On the one hand, Mastercard Standard credit card from Oriental Bank comes with a low apr of 1.99% APR in purchases of merchandise and services and balance transfers of other financial institutions for the first 6...

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Hello! I do not want to use my PenFed gas card any more as it has high APR, Now I'm planning to apply for another card to get rebates at gas stations. What card is better for me?

Before you apply for a new credit card we recommend you to check your credit score. Since you closed your PenFed credit card your credit score could change. Once you know your current credit score you can start choosing...

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I was interested in the PenFed credit card, the problem is I have never had a credit card that was issued through a credit union so I am a little worried that the card won’t be right for me. Would you be able to tell me what the differences between credit unions and banks are?

When it comes to the credit cards that are offered by banks and credit unions, you will notice that the cards are in fact, very similar. Both kinds of cards are commonly affiliated with major payment networks, which...

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