Last Updated: 07/28/2025
1st Bank Puerto Rico Ultimate Mastercard Elite
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.25% - 28.5%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.25% - 28.5%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
Up to $150
1st Bank Puerto Rico Ultimate Mastercard Elite Review
This is a rewards card issued by FirstBank Puerto Rico. If you're wondering whether 1st Bank Puerto Rico Ultimate Mastercard Elite is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- Welcome offer. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- APRs: 1st Bank Puerto Rico Ultimate Mastercard Elite has a variable regular purchase APR that ranges from 16.25% up to 28.5%.
- A 2% balance transfer fee. 1st Bank Puerto Rico Ultimate Mastercard Elite 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.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of 1st Bank Puerto Rico Ultimate Visa Elite
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1st Bank Puerto Rico Ultimate Visa Elite FAQ
Does 1st Bank Puerto Rico Ultimate Visa Elite have a cash back or rewards program?
1st Bank Puerto Rico Ultimate Visa Elite is a rewards card.
| Description |
Does 1st Bank Puerto Rico Ultimate Visa Elite 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 1st Bank Puerto Rico Ultimate Visa Elite offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the 1st Bank Puerto Rico Ultimate Visa Elite benefits?
1st Bank Puerto Rico Ultimate Mastercard Elite provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for 1st Bank Puerto Rico Ultimate Visa Elite?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.1st Bank Puerto Rico Ultimate Mastercard Elite 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 1st Bank Puerto Rico Ultimate Visa Elite have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.25% - 28.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does 1st Bank Puerto Rico Ultimate Visa Elite have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for 1st Bank Puerto Rico Ultimate Visa Elite?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $150 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $150.
Does 1st Bank Puerto Rico Ultimate Visa Elite have a foreign transaction fee?
1st Bank Puerto Rico Ultimate Visa Elite charges a foreign transaction fee of up to 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 1st Bank Puerto Rico Ultimate Visa Elite?
The customer service number for 1st Bank Puerto Rico Ultimate Visa Elite is (866) 695-2511.
What is the support contact email for 1st Bank Puerto Rico Ultimate Visa Elite?
The support contact email for 1st Bank Puerto Rico Ultimate Visa Elite is customercare@1firstbank.com.
How do people rate the customer service and user experience of 1st Bank Puerto Rico Ultimate Visa Elite?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does 1st Bank Puerto Rico Ultimate Mastercard Elite report your account activity to credit bureaus?
Yes, 1st Bank Puerto Rico Ultimate Mastercard Elite reports to the following credit bureaus:
- 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 build your credit.
Does FirstBank Puerto Rico perform a hard credit pull?
Yes, 1st Bank Puerto Rico Ultimate Visa Elite performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for 1st Bank Puerto Rico Ultimate Visa Elite
- Visit the website of 1st Bank Puerto Rico Ultimate Visa Elite.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturday9:00AM - 1:00PM
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Other Credit Cards from FirstBank Puerto Rico
Rating not yet determined
Purchase APR
16.25% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.25% - 28.5%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
16.25% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.25% - 28.5%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.25% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.25% - 28.5%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.25% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.25% - 28.5%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.25% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.25% - 28.5%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.25% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.25% - 28.5%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
Up to $150
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Learn MoreSuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
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