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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 Discover's secure website
Rating 5.0
on Citi's secure website
Rating 4.7
on Discover's secure website
Rating 5.0
on Discover's secure website
Rating 4.7
on Citi's secure website
REWARDS
Rewards bonus
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.
$100 Statement Credit when you spend $1,500 in the first 90 days60
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
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
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. Just a dollar-for-dollar match.
No
Max. rewards
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
2% Total Cash Back for PenFed Honors Advantage Members60
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1.5x Miles per dollar on all purchases
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
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
1% unlimited cash back on all other purchases - automatically
1.5% Cash Back on all purchases made with your card60
Earn 1X ThankYou® Points on All Purchases
1.5x Miles per dollar on all purchases
1% unlimited cash back on all other purchases - automatically
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
Rewards never expire
Rewards never expire.60
Points do not expire provided your account is active and in good standing
Rewards never expire
Cash rewards never expire.
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
Use Anywhere
RATES AND FEES
Intro APR on purchases
0% (14 months on Purchases)
N/A60
0% (15 months on Purchases)
0% (14 months on Purchases)
0% (14 months on Purchases)
N/A
Regular APR
11.99% - 22.99% Variable APR
14.99% to 17.99%60
13.49% - 23.49% (Variable)
11.99% - 22.99% Variable APR
11.99% - 22.99% Variable
13.99% – 23.99% (Variable)
Annual fee
$0
None60
$0
$0
$0
$0
Foreign transaction fee
None
None60
3%
None
None
3%

Check out
credit card WITH REWARDS
2021

Discover it® Cash Back apply
on Discover's secure website
Rating 5.0

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!

Excellent/Good 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 Discover's secure website

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.

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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apply on Citi's secure website

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

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.

Show more
apply on Discover's secure website

Intro APR on Purchases: 0% (14 months on Purchases)

Ongoing APR: 11.99% - 22.99% Variable APR

Updated: Jan 21, 2021

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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