FirstBank Puerto Rico Beyond Business Mastercard

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

• Signup bonus. Offers a signup bonus of 5000 points after spending $1,000 that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. FirstBank Puerto Rico Beyond Business Mastercard has a variable purchase APR that ranges from 16.25% up to 28.25%.
• 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 1.4% every time you make a transaction outside the U.S.
• Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, purchase protection, travel accident insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of FirstBank Puerto Rico Beyond Business Mastercard

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.

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 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:

• Every Purchase

What are the benefits?

This business credit card provides the following benefits:

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

What is the customer service phone number?

The customer service number for this business card is (866) 695-2511.

What is the support contact email?

The support contact email for this business credit card is customercare@1firstbank.com.

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?

• 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.