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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

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in Business Credit Cards from FirstBank Puerto Rico
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Highlights
Purchase APR  (Variable APR) 16.25% - 28.25%
(Verified 11/09/2022)
Balance Transfer APR  (Variable APR) 16.25% - 28.25%
(Verified 11/09/2022)
Credit Score Range 650 - 850
Annual Fee Up to $50

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

The Good The Bad
  • Has an introductory APR rate on balance transfers of 1.99%.
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere FirstBank Puerto Rico Beyond Business Mastercard is accepted.
  • FirstBank Puerto Rico Beyond Business Mastercard reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.4%.
  • Rewards bonus rate of only 1.25% on most everyday purchases. Terms apply*.
  • Charges a 2% balance transfer fee.

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.

FirstBank Puerto Rico Beyond Business Mastercard Rates & Terms
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.

FirstBank Puerto Rico Beyond Business Mastercard Fees
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:

  • 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 after you spend $1000 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.

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.
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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.

Message From FirstBank Puerto Rico Beyond Business Mastercard

Earn rewards for every transaction you make while controlling your expenses. Free Rewards Program and other benefits for your business.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 6 months
Annual Fee Up to $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
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
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
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 24.75% - 29.75%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.25% - 28.25%
(Verified 11/09/2022)
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) 16.25% - 28.25%
(Verified 11/09/2022)
Card Network Mastercard
Card Type
  • Rewards

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