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  1st Bank Puerto Rico Ultimate Mastercard Elite
1st Bank Puerto Rico Ultimate Mastercard Elite
in Credit Cards from FirstBank Puerto Rico
Unaffiliated

1st Bank Puerto Rico Ultimate Mastercard Elite

Unaffiliated
in Credit Cards from FirstBank Puerto Rico
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Highlights
Purchase APR  (Variable APR) 16.25% - 28.5%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 16.25% - 28.5%
(Verified 08/04/2023)
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 Visa Elite 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.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. 1st Bank Puerto Rico Ultimate Mastercard Elite has a variable purchase APR that ranges from 16.25% up to 28.5%.
  • 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 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 better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of 1st Bank Puerto Rico Ultimate Visa Elite

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 16.25% up to 28.5%.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Access to a concierge.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere 1st Bank Puerto Rico Ultimate Mastercard Elite is accepted.
  • 1st Bank Puerto Rico Ultimate Mastercard Elite reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges an annual fee of up to $150.
  • Charges a foreign transaction fee of 1.4%.
  • Rewards bonus rate of only 1% on purchases. Terms apply*.
  • Charges a 2% balance transfer fee

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.

1st Bank Puerto Rico Ultimate Visa Elite Rewards
Rewards rate (all purchases) N/A
Max rewards rate 1x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 5000

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance.

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 up to 15 months.

1st Bank Puerto Rico Ultimate Mastercard Elite Balance Transfers
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 1st Bank Puerto Rico Ultimate Visa Elite have an intro APR offer on new purchases?

1st Bank Puerto Rico Ultimate Mastercard Elite Purchase Intro Offer
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 up to 15 months.

What are the fees for 1st Bank Puerto Rico Ultimate Visa Elite?

The following fees apply:

1st Bank Puerto Rico Ultimate Mastercard Elite Fees
Description
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $10
Foreign Currency Transaction Fee 1.4%
No Annual Fee First Year?
Annual Fee Up to $150
Minimum Interest Charge $1.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $35

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 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 1st Bank Puerto Rico Ultimate Visa Elite customer service number 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.

What is the 1st Bank Puerto Rico Ultimate Visa Elite login page?

You can access the 1st Bank Puerto Rico Ultimate Visa Elite login page here.

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 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 1st Bank Puerto Rico Ultimate Visa Elite

  • Visit the 1st Bank Puerto Rico Ultimate Visa Elite 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.

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.

Contact

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

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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 0%
Purchase Intro APR Period (Variable APR) 15 months
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $10
Foreign Currency Transaction Fee 1.4%
No Annual Fee First Year
Annual Fee Up to $150
Minimum Interest Charge $1.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $15
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
  • Airport Lounge Access
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) 24.75% - 29.75%
APR Type Variable APR
Balance Computation “average daily balance” including new purchases
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.25% - 28.5%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 16.25% - 28.5%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Visa

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