Banco Popular American Express® Card, The Black Card
	1.99% APR on purchases for the first 6 months.1 1.99% interest on balance transfer for the first 6 months.2 Also, you earn 25% more in  PREMIA® points on each    dollar spent on purchases made at hotels, airlines, travel    agencies and car rentals.3

Characteristics

• Free PREMIA® program and your point will never expire.
• Earn 2 points for each $1 on purchases in the PREMIA® program. ⁴

Preferential Treatment

• Personal Concierge service.
• entrè_TM is an exclusive program designed by American Express® for The Black Card cardholders which grants access to exclusive offers and experiences locally as well as worldwide.⁵

Convenience

• Customer Service 24 hours a day, 7 days a week all year.
• Pay your bills with your credit card, by using our Internet Banking service at www.popular.com or by calling TeleBanco Popular®.
• Obtain cash from local and international ATM machines.

Travel Insurance and Services

• Worldwide Car Rental Insurance FREE.⁶
• Travel Accident Insurance FREE coverage up to $1,000,000.⁶
• Emergency Travel Assistance.
• Travel Emergency Medical Insurance coverage up to $25,000.⁶
• Delay and lost luggage Insurance.⁶
• Card Replacement.

Shopping Insurance and Services

• 100% protection against unauthorized charges.
• Extended Guaranty.
• Purchase protection.
• Optional credit protection insurance Chargegard Plus, your credit is protected in case of an unexpected event where your income is at risk.⁷

Benefits Program

• The Black card clients enjoy the PREMIA® program, free of charge, and earn points that never expire. You earn 2 points for each $1 on purchases in the PREMIA® program. You can redeem your PREMIA® points for a wide variety of prizes that include airplane tickets with any airline without restrictions, vacation packages, hotel and restaurant certificates, merchandise and even ATH® and Visa Gift Cards.