Last Updated: 04/18/2025
FirstBank Puerto Rico Beyond Business Mastercard
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Last Updated: 04/18/2025
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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.
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Message from FirstBank Puerto Rico Beyond Business Mastercard
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