Subject to credit approval. Offer valid until March 31, 2008 and only for new accounts. Not valid with any other offers. Your account must be kept open and up to date. In case your payment is received past its due date, the offers will be void.
¹ Special rate for purchases is valid for 3 months from the date the first card is issued.  After this, the regular rate will apply to the balance and new purchases.
²Special rate on balance transfer is valid for six months from the date the account was opened. After this offer expires, the regular rate will apply to the balance and new transfers. Not valid for transfers of other debt with Banco Popular. Subject to credit line availability. Balance transfer and convenience checks are considered cash advances. There is no grace period. Additional information: The APR is variable and may change. The APR will be determined by adding the value of the United States Prime Rate as published in The Wall Street Journal plus a margin. For US Virgin Islands: APR for purchases, balance transfers from other institutions and convenience checks from a minimum of: 8.99% for Visa Novel and MasterCard Edge; 9.99% for Visa Return. Your APR is based on your credit score and the Prime Rate applicable at the time your application is evaluated. The minimum APR applicable to cash advances will be: 19.99% for Visa Novel and MasterCard; 20.99% for Visa Return. British Virgin Islands: APR for purchases, balance transfers from other institutions and convenience checks from a minimum of: 9.99% for Visa Novel and MasterCard Edge; 11.99% for Visa Return. The APR is determined by the banking relationships you maintain with the Bank and the current Prime Rate applicable at the time your application is evaluated. The minimum APR applicable to cash advances will be 19.99% for Visa Novel and MasterCard; 20.99% for Visa Return. Late payment charges for U.S. and British Virgin Islands: $15 for balances of up to $100; $29 for balances greater than $100 up to $250; $39 for balances greater than $250. Returned check fee: $10. Cash advances, balance transfers and convenience checks fee: 2% of the amount: $2 minimum, $10 maximum. Grace period for purchases from a minimum of 22 days. Balance is calculated based on average daily balance (including newpurchases).
³ The cash accumulation does not apply to balance transfers, convenience checks neither to cash advances. Other conditions apply.