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  FirstBank Puerto Rico Beyond Ultimate Visa Credit Card

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card

in Personal Credit Cards from FirstBank Puerto Rico

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FirstBank Puerto Rico Beyond Ultimate Visa Credit Card

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in Personal Credit Cards from FirstBank Puerto Rico

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Highlights
Purchase APR  (Variable APR) 13.25% - 25.5%
Balance Transfer APR  (Variable APR) 13.25% - 25.5%
Credit Score Range 680 - 850
Annual Fee Up to $150

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card Review

This is a rewards credit card issued by FirstBank Puerto Rico. If you're wondering whether FirstBank Puerto Rico Beyond Ultimate Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

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. FirstBank Puerto Rico Beyond Ultimate Visa Credit Card has a variable purchase APR that ranges from 13.25% up to 25.5%.
  • 2% Balance transfer fee. FirstBank Puerto Rico Beyond Ultimate 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of FirstBank Puerto Rico Beyond Ultimate Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • Annual fee waived during the first year.
  • Cardholders can earn rewards on purchases everywhere FirstBank Puerto Rico Beyond Ultimate Visa Credit Card is accepted.
  • FirstBank Puerto Rico Beyond Ultimate Visa Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
FirstBank Puerto Rico Beyond Ultimate Visa Credit Card FAQ

Does FirstBank Puerto Rico Beyond Ultimate Visa Credit Card have a cash back or rewards program?

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card is a rewards card.

FirstBank Puerto Rico Beyond Ultimate 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

Does FirstBank Puerto Rico Beyond Ultimate Visa Credit Card 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 Ultimate Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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.

Does FirstBank Puerto Rico Beyond Ultimate Visa Credit Card 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.

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 13.25% - 25.5%
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 2%

Does FirstBank Puerto Rico Beyond Ultimate Visa Credit Card have an intro APR offer on new purchases?

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card 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 FirstBank Puerto Rico Beyond Ultimate Visa Credit Card?

The following fees apply:

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $15
Late Payment Fee up to $35

Does FirstBank Puerto Rico Beyond Ultimate Visa Credit Card have a foreign transaction fee?

FirstBank Puerto Rico Beyond Ultimate Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Ultimate Visa Credit Card?

The FirstBank Puerto Rico Beyond Ultimate Visa Credit Card customer service number is (866) 695-2511.

What is the support contact email for FirstBank Puerto Rico Beyond Ultimate Visa Credit Card?

The support contact email for FirstBank Puerto Rico Beyond Ultimate Visa Credit Card is customercare@1firstbank.com.

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

Yes, FirstBank Puerto Rico Beyond Ultimate 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 Ultimate Visa Credit Card

  • Visit the FirstBank Puerto Rico Beyond Ultimate 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.

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

Other Services by FirstBank Puerto Rico

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View all personal credit cards offered by FirstBank Puerto Rico

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Up to $10
Foreign Currency Transaction Fee 1%
Annual Fee Up to $150
Minimum Interest Charge $1.50
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)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) 21.75% - 26.75%
Balance Computation “average daily balance” including new purchases.
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 13.25% - 25.5%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.25% - 25.5%
Balance Transfer Fee Minimum $2
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Visa

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