Visa Cobalt ENU 12

Visa Cobalt ENU 12 2025, as filed by Banco Popular De Puerto Rico, carries a 16.74% purchase APR, a $199 annual fee and a 0.01% introductory rate. Against the 4,587 filings on this site, that rate lands around the 19th percentile.

The disclosed terms

Visa Cobalt ENU 12 2025 is one of the agreements Banco Popular De Puerto Rico has on file with the CFPB. The filing runs 11 pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

Introductory pricing

The filing discloses an introductory rate of 0.01% but no term for it.

Among the 763 filings here that disclose an introductory rate, 0.01% sits at about the 60th percentile.

The go-to rate is 16.74%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $182 a year on $1,000.

The purchase APR against the corpus

Measured against every other filing on the site, 16.74% is about the 19th percentile for purchase APR; it falls in the low band of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

A $5,000 balance left untouched for twelve months accrues about $911 in interest at this purchase rate.

The corpus median purchase rate is 21.99%, which on the same $5,000 would cost about $1,229 a year. This filing saves roughly $318 annually against that benchmark.

Broken down to a single thirty-day cycle, the same balance accrues roughly $69.25.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

$199 a year is the disclosed annual fee, which ranks near the 97th percentile of the fees filed across this corpus.

One way to size that fee: at the card's own purchase rate of 16.74%, $199 is roughly the interest a balance of about $1,189 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Cash advances carry a cash advance APR of 27.74%. The premium over purchases is 11 percentage points.

Balance transfers cost $2 or 2% of the amount transferred, whichever is greater up front and then accrue at 16.74%. Shifting $3,000 across attracts something like $60 in fees on day one.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The downside terms

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

The grace period

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. The typical filing here allows 25 days, so this one is tighter than most.

The issuer's other agreements

Banco Popular De Puerto Rico has 26 agreements indexed on this site. Pricing across this issuer's filings is uniform at 16.74% — the rate table does not distinguish one of its cards from another.

Among the issuer's other filings that disclose a fee, 11 of 12 come in below this card's $199.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

This summary stands or falls on the linked PDF — 11 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

16.74% places this filing at the inexpensive end of the set, which is the headline here. The $199 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.