
FirstBank Puerto Rico Beyond Platinum Mastercard
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Purchase APR (Variable APR) |
16.25% - 28.5% (Verified 11/09/2022) |
Balance Transfer APR (Variable APR) |
16.25% - 28.5% (Verified 11/09/2022) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
FirstBank Puerto Rico Beyond Platinum Mastercard Review
This is a rewards card issued by FirstBank Puerto Rico. If you're wondering whether FirstBank Puerto Rico Beyond Platinum Mastercard is the right card for you, read on.
Key Takeaways
- 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 Platinum Mastercard has a variable purchase APR that ranges from 16.25% up to 28.5%.
- 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 Platinum 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 $2.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.4% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as price protection, purchase protection, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of FirstBank Puerto Rico Beyond Platinum Mastercard
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FirstBank Puerto Rico Beyond Platinum Mastercard FAQ
Does FirstBank Puerto Rico Beyond Platinum Mastercard have a cash back or rewards program?
FirstBank Puerto Rico Beyond Platinum Mastercard is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 1x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 5000 |
Does FirstBank Puerto Rico Beyond Platinum Mastercard have a signup bonus?
This 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 FirstBank Puerto Rico Beyond Platinum Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the FirstBank Puerto Rico Beyond Platinum Mastercard benefits?
It provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for FirstBank Puerto Rico Beyond Platinum Mastercard?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.FirstBank Puerto Rico Beyond Platinum Mastercard has a variable purchase APR that ranges from 16.25% up to 28.5%. The card has a variable balance transfer APR that ranges from 16.25% up to 28.5%. 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 FirstBank Puerto Rico Beyond Platinum Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 16.25% - 28.5% |
Balance Transfer Fee Minimum | $2 |
Balance Transfer Fee % | 2% |
Does FirstBank Puerto Rico Beyond Platinum Mastercard have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 1.99% |
Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of up to 6 months.
What are the fees for FirstBank Puerto Rico Beyond Platinum Mastercard?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 1.4% |
Returned Payment Fee | up to $15 |
Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does FirstBank Puerto Rico Beyond Platinum Mastercard have a foreign transaction fee?
FirstBank Puerto Rico Beyond Platinum 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 foreign transaction fees.What is the customer service phone number for FirstBank Puerto Rico Beyond Platinum Mastercard?
The FirstBank Puerto Rico Beyond Platinum Mastercard customer service number is (866) 695-2511.
What is the support contact email for FirstBank Puerto Rico Beyond Platinum Mastercard?
The support contact email for FirstBank Puerto Rico Beyond Platinum Mastercard is customercare@1firstbank.com.
What is the FirstBank Puerto Rico Beyond Platinum Mastercard login page?
You can access the FirstBank Puerto Rico Beyond Platinum Mastercard login page here.
How do people rate the customer service and user experience of FirstBank Puerto Rico Beyond Platinum Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does FirstBank Puerto Rico Beyond Platinum Mastercard report your account activity to credit bureaus?
Yes, FirstBank Puerto Rico Beyond Platinum 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 Platinum Mastercard
- Visit the FirstBank Puerto Rico Beyond Platinum Mastercard 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.
Contact
- Headquarters
-
1519 Avenue Ponce de Leon
San Juan, PR 00908 USA - (866) 695-2511
- Visit Site
- Email Support
Other Services by FirstBank Puerto Rico
Other Credit Cards by FirstBank Puerto Rico
Availability
- 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 |
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