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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.
Compare credit cards to find the best
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credit card WITH REWARDS
2021
GREAT BONUS OFFER
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
GOOD REWARDS
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
” Expert's opinion
The Discover it® Cash Back is an ideal choice for those who want to get the maximum use of their credit card while shopping. Whether you prefer in-store or online shopping, this credit card will bring you unlimited 1% cash back on all purchases. What is more, Discover gives you the opportunity to expand your rewards with their 5% cash back at different places each quarter up to the quarterly maximum, each time you activate. Another reason to apply for the Discover it® Cash Back card is its exceptional sign-up bonus. Discover will match all the cash back new cardmembers have earned at the end of their first year. And the icing on the cake is the card's $0 annual fee!
US credit cards'
advantages FOR
PUERTO RICO RESIDENTS

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.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

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.
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

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.
Intro APR on Purchases: 0% (14 months on Purchases)
Ongoing APR: 11.99% - 22.99% Variable APR
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...
Read moreHello! 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...
Read moreI 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...
Read more