Last Updated: 05/14/2026
FirstBank Puerto Rico Beyond Business Mastercard
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
16.25% - 28.25%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.25% - 28.25%(Verified 06/21/2024)
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Annual Fee
Up to $50
Credit Score Range
650 - 850
FirstBank Puerto Rico Beyond Business Mastercard Review
This is a rewards card issued by FirstBank Puerto Rico. If you're wondering whether FirstBank Puerto Rico Beyond Business Mastercard is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- APRs: FirstBank Puerto Rico Beyond Business Mastercard has a variable regular purchase APR that ranges from 16.25% up to 28.25%.
- A 2% balance transfer fee. FirstBank Puerto Rico Beyond Business Mastercard charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $2.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.4% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, purchase security, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of FirstBank Puerto Rico Beyond Business Mastercard
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 16.25% up to 28.25% . The card has a variable balance transfer APR that ranges from 16.25% up to 28.25% .
It also has a variable cash advance APR that ranges from 24.75% up to 29.75% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 1.99% for a period of 6 months from account opening.
This business card does offer an introductory APR rate on new purchases of 1.99% for a period of 6 months.
| Purchase APR | 16.25% - 28.25% |
| Balance Transfer APR | 16.25% - 28.25% |
| Cash Advance APR | 24.75% - 29.75% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- A late payment penalty of up to $35 .
- A returned payment fee of up to $15.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1.4%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $28. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Foreign Transaction Fee | 1.4% |
| Balance Transfer Fee | 2% |
| Minimum Balance Transfer Fee | $2 |
| Returned Payment Fee | up to $15 |
| Late Payment Fee | up to $35 |
Does it offer a cash back or rewards program?
Yes, FirstBank Puerto Rico Beyond Business Mastercard offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 5000 points signup bonus that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from FirstBank Puerto Rico Beyond Business Mastercard
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturday9:00AM - 1:00PM
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