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While Puerto Rico and the USVI are not states, they are territories of the United States and exports to and from these territories are considered domestic, not international shipments.
Banks in Puerto Rico are part of the ACH bank clearinghouse in the US. Your bank might have certain fraud protection that requires you to verify or notify if you are shopping outside your usual shopping places. ATMs are everywhere and almost all stores accept cards.
No foreign transaction fees (so long as you are using an card from a U.S. bank). Puerto Rico is part of the U.S.
Visa and MasterCard are accepted most widely throughout Puerto Rico. Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.
If a business accepts credit cards, your Visa or Mastercard will likely work fine. The other two ? American Express and Discover ? do have a global footprint, but they are accepted at far fewer merchants. If you have one of these cards, be sure to confirm you can use it on your trip.
Returned check fee up to $10. Regular charge for cash advances, balance transfers and convenience checks: 2% of the amount: $2 minimum, $10 maximum. Grace period from 21 days for purchases.
An international credit card is a credit card that will work outside the U.S. Card Networks (Visa, MasterCard, Discover, and American Express).
Using your credit card in Puerto Rico works just like it does in your home country.