Credit Cards · San Juan, Puerto Rico

Best Credit Union Credit Card Rates in San Juan, Puerto Rico

2 credit unions in San Juan report credit card APRs to the NCUA. Rates range from 8.99% to 9.59%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.99%

Lowest Card APR

9.29%

City Average APR

Credit Card APRs — San Juan, Puerto Rico

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CARIBE ★ 3.6 · 110 reviews	8.99%	10.19%
2	VAPR ★ 3.6 · 77 reviews	9.59%	10.00%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in San Juan could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most San Juan credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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