0% Intro APR for 15 months on purchases and b… Citi Strata℠ Card Calculators How we make money
VOATLAS
How to Book a Trip to Puerto Rico

How to · Travel

How to Book a Trip to Puerto Rico

Plan a late summer escape to Old San Juan and the coast for about $1,900, split across 18 months at zero interest.

VoAtlas editorial Updated · 3 min read
Typical cost $1,900 before anything else
Across the 0% window $105.56/mo 18 months, no interest

How we got that: $1,900 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Cobblestone streets, centuries-old Spanish forts, and warm Atlantic water are just a short flight away. Late summer brings quick afternoon rain, but it also empties out the crowds and drops hotel rates down to earth. If you want beach days paired with great food and history, it is tough to beat.

A typical week for two runs around $1,900 once you factor in flights, a stay near the water, mofongo dinners, and a day trip or two. Instead of draining your savings account all at once, you can spread the bill across regular monthly payments without paying a dime in interest.

Remember that zero interest is a timeline, not free money. If you miss payments or still have a balance after 18 months, regular interest applies to whatever remains, which wipes out the savings.

The steps

  1. 01

    Aim for late summer

    Book your travel for August or September. It is the off-season, which means cheaper flights, quiet beaches, and discounted rooms. Afternoon showers pass quickly, so pack a light rain jacket and carry on.

  2. 02

    Split your stay

    Spend your first couple of nights in Old San Juan so you can walk to dinner and wander El Morro early. After that, move to a guesthouse in Ocean Park or Luquillo for easy morning access to the beach.

  3. 03

    Put it on the Citi Simplicity

    The Citi Simplicity® Credit Card gives you 0% for 18 months on purchases and balance transfers from date of account opening. Put the $1,900 trip expenses on the card and set up automatic monthly payments of $105.56 to clear the balance right on time.

  4. 04

    Rent a car only when needed

    Do not pay for a rental car while you are in Old San Juan where parking is expensive and streets are tight. Use rideshares around town, then pick up a cheap day rental when you want to hike El Yunque or drive down to the south coast.

  5. 05

    Lock down anchors early

    Even in the off-season, boutique stays and the best flight times disappear first. Reserve your core reservations as soon as your account opens so you have the full 18-month timeline to pay everything off.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Is late summer a bad time to visit Puerto Rico?

You will get some humidity and brief tropical showers, but rain rarely lasts all day. The trade-off is far fewer tourists and much cheaper flights and hotels.

Do I need a passport to fly to Puerto Rico?

Not if you are a US citizen. Puerto Rico is a US territory, so you only need a REAL ID driver's license or state ID to board the plane.

How does the 0% intro purchase period work?

You do not accrue interest on purchases during the first 18 months from account opening. You still need to make the minimum payment each month, but paying $105.56 monthly wipes out a $1,900 balance before the rate climbs.

Can I get by without speaking Spanish?

Yes. Most people in tourist areas, hotels, and restaurants speak fluent English. Learning a few basic Spanish phrases is polite, but you will not have trouble getting around.