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  FirstBank Puerto Rico Beyond Business Mastercard

FirstBank Puerto Rico Beyond Business Mastercard

in Business Credit Cards from FirstBank Puerto Rico

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FirstBank Puerto Rico Beyond Business Mastercard

Unaffiliated

in Business Credit Cards from FirstBank Puerto Rico

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Highlights
Purchase APR  (Variable APR) 13.25% - 23.25%
Balance Transfer APR  (Variable APR) 13.25% - 23.25%
Credit Score Range 650 - 850
Annual Fee $50

FirstBank Puerto Rico Beyond Business Mastercard Review

FirstBank Puerto Rico Beyond Business Mastercard FAQ

Who is FirstBank Puerto Rico Beyond Business Mastercard designed for?

FirstBank Puerto Rico Beyond Business Mastercard is a credit card issued by FirstBank Puerto Rico. 

This card is designed for businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs for FirstBank Puerto Rico Beyond Business Mastercard?

FirstBank Puerto Rico Beyond Business Mastercard has a variable purchase APR that ranges from 13.25% up to 23.25% . The card has a variable balance transfer APR that ranges from 13.25% up to 23.25% .

It also has a variable cash advance APR that ranges from 21.75% up to 26.75% . 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 FirstBank Puerto Rico Beyond Business Mastercard have an introductory APR offer?

Yes, FirstBank Puerto Rico Beyond Business Mastercard offers an introductory APR rate on balance transfers of 1.99% for a period of 6 months.

This card does offer an introductory APR rate on new purchases of 1.99% for a period of 6 months.

FirstBank Puerto Rico Beyond Business Mastercard Rates & Terms
Purchase APR 13.25% - 23.25%
Balance Transfer APR 13.25% - 23.25%
Cash Advance APR 21.75% - 26.75%
Penalty APR 29.99%

What are the FirstBank Puerto Rico Beyond Business Mastercard fees?

The following fees apply to FirstBank Puerto Rico Beyond Business Mastercard:

  • An annual fee of $50.
  • A late payment penalty of up to $35.
  • A returned payment fee of up to $15.

Does FirstBank Puerto Rico Beyond Business Mastercard have a foreign transaction fee?

FirstBank Puerto Rico Beyond Business Mastercard 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 card at home and apply for one that doesn't charge a foreign transaction fee.

FirstBank Puerto Rico Beyond Business Mastercard Fees
Fees Amount
Annual Fee $50
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

Is there a FirstBank Puerto Rico Beyond Business Mastercard cash back or rewards program?

FirstBank Puerto Rico Beyond Business Mastercard offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

Does FirstBank Puerto Rico Beyond Business Mastercard have a signup bonus?

FirstBank Puerto Rico Beyond Business Mastercard doesn't offer a cash signup bonus.

However, it does include a 5000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does FirstBank Puerto Rico Beyond Business Mastercard offer an annual loyalty bonus?

FirstBank Puerto Rico Beyond Business Mastercard doesn't offer a cash loyalty bonus.

What are the FirstBank Puerto Rico Beyond Business Mastercard benefits?

FirstBank Puerto Rico Beyond Business Mastercard provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

Does FirstBank Puerto Rico Beyond Business Mastercard report your account activity to credit bureaus?

Yes, FirstBank Puerto Rico Beyond Business Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for FirstBank Puerto Rico Beyond Business Mastercard

  • Visit the FirstBank Puerto Rico .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday 9:00am - 1:00pm

Other Services by FirstBank Puerto Rico

Feature Breakdown

Every Purchase (Points) Free Rewards Program that allows you to earn 1.25 points for each $1 spent on purchases.
Every Purchase (Points) 1.25
Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Annual Fee $50
Cash Advance Fee (%) 2%
Cash Advance Fee Minimum $2
Foreign Currency Transaction Fee 1.4%
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $1.50
Returned Payment Fee Up to $15
Customer Type Personal
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 21.75% - 26.75%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 13.25% - 23.25%
Balance Transfer Fee % 2%
Balance Transfer Fee Minimum $2
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer APR (Variable APR) 13.25% - 23.25%
Card Network Mastercard
Card Type
  • Rewards

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