Business Credit Cards in Puerto Rico: Local Banks and U.S. Issuers

Puerto Rico is part of the United States, but not every card company treats it the same as a state. Some U.S. issuers accept businesses on the island, a few exclude it, and the two big local banks have their own business cards. Here is what we found when we checked in October 2026.

Local banks

Card	Annual fee	Rewards	Notes
Popular Visa PREMIA Business Rewards	$0	2x PREMIA points on restaurants, telecom, gas and office supplies; 1x else	Lines from $2,000. Apply by phone or at a branch
Popular Visa PREMIA Business Rewards Max	$95	3x on airlines, hotels, restaurants, telecom, gas and office supplies; 1x else	Starting limit $5,000. 30,000-point welcome bonus at the time we checked
FirstBank Beyond Business Mastercard	$0 the first year, then $50	Not published in the disclosure	1.99% intro APR on purchases for 6 months

A local bank is a good fit if you already bank there, want to apply in person in Spanish, or plan to borrow from the same bank later.

U.S. issuers

• Chase and Bank of America business cards are available to Puerto Rico applicants aged 21 or older, according to NerdWallet’s review of issuer rules (June 2026).
• American Express‘s Puerto Rico page sends island businesses to its U.S. products.
• Capital on Tap says its card is not available in U.S. territories, including Puerto Rico.
• Capital One, U.S. Bank, Ramp, Brex, BILL Divvy and Mercury: we could not confirm availability for Puerto Rico businesses. Ask before you apply.

Rules change, so confirm on the issuer’s site. Our card finder has a “Puerto Rico” option that highlights local banks and flags cards to confirm.

Tips for Puerto Rico owners

1. Use your Puerto Rico address everywhere your business is registered (Departamento de Estado), on your EIN and at the bank. Mismatched addresses slow down approvals.
2. Build U.S. business credit too. Get your free D-U-N-S number and use accounts that report to business bureaus. See how to build business credit.
3. People born in Puerto Rico are U.S. citizens, which matters for SBA loans. See SBA loans in Puerto Rico.
4. For larger needs, a local bank loan or SBA loan usually costs less than carrying a card balance. Compare in our loan options tool.

Frequently asked questions

Can I get a business credit card with a business in Puerto Rico?

Yes. Popular and FirstBank offer business cards, and some U.S. issuers such as Chase and Bank of America accept Puerto Rico applicants.

Is Capital on Tap available in Puerto Rico?

No. Capital on Tap says its card is not available in U.S. territories, including Puerto Rico.

Do I need to be 21 to apply in Puerto Rico?

Some U.S. issuers, such as Chase and Bank of America, require Puerto Rico applicants to be 21 or older.