FirstBank Puerto Rico Beyond One Visa Credit Card Review

FirstBank Puerto Rico Beyond One Visa Credit Card is a rewards credit card issued by FirstBank Puerto Rico. If you're wondering whether FirstBank Puerto Rico Beyond One Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. FirstBank Puerto Rico Beyond One Visa Credit Card has a variable purchase APR that ranges from 13.25% up to 25.5%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 2% Balance transfer fee. FirstBank Puerto Rico Beyond One Visa Credit Card 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% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. Cardholders can earn rewards on purchases everywhere FirstBank Puerto Rico Beyond One Visa Credit Card is accepted. FirstBank Puerto Rico Beyond One Visa Credit Card reports to multiple credit bureaus.	Charges a foreign transaction fee of 1%. Charges a 2% balance transfer fee. Does not include many credit card benefits.

Is there a FirstBank Puerto Rico Beyond One Visa Credit Card cash back or rewards program?

FirstBank Puerto Rico Beyond One Visa Credit Card offers a rewards program to its customers.

FirstBank Puerto Rico Beyond One Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	5000

What are the FirstBank Puerto Rico Beyond One Visa Credit Card benefits?

FirstBank Puerto Rico Beyond One Visa Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for FirstBank Puerto Rico Beyond One Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. FirstBank Puerto Rico Beyond One Visa Credit Card has lower than average purchase APRs.

FirstBank Puerto Rico Beyond One Visa Credit Card has a variable purchase APR that ranges from 13.25% up to 25.5%. The card has a variable balance transfer APR that ranges from 13.25% up to 25.5%. 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.

What are the fees for FirstBank Puerto Rico Beyond One Visa Credit Card?

The following fees apply to FirstBank Puerto Rico Beyond One Visa Credit Card:

FirstBank Puerto Rico Beyond One Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $15
Late Payment Fee	up to $35

Does FirstBank Puerto Rico Beyond One Visa Credit Card report your account activity to credit bureaus?

Yes, FirstBank Puerto Rico Beyond One Visa Credit Card 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 One Visa Credit Card

• Visit the FirstBank Puerto Rico Beyond One Visa Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.