Introductory APR

0%

for 15 months

on purchases made during the first 6 months after opening your account1

0%

for 15 months

on balance transfers made during the first 3 months after opening your account²

Beyond Ultimate Mastercard World Elite Credit Card black.

Beyond Ultimate Mastercard World Elite

  • 0% for 15 months on purchases made during the first 6 months after opening your account.
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Beyond Platinum Mastercard
Beyond Ultimate Mastercard World Elite
Beyond Platinum Mastercard
Beyond Ultimate Mastercard World Elite
Introductory APR on purchases

1.99% for 6 months on purchases made during the first 6 months after opening your account.

0% for 15 months on purchases made during the first 6 months after opening your account.

Introductory APR on balance transfers

0% for 15 months on balance transfers made during the first 3 months after opening your account.

0% for 15 months on balance transfers made during the first 3 months after opening your account.

Rewards Program

1 point for every $1

2 points for every $1

Annual Fee

$0 annual fee

$0 annual fee for the first 12 months, then $150

Benefits

  • Cellular Phone Protection

  • MasterRental

  • Platinum Concierge

  • Trip Cancellation and Delay

  • Luggage Protection

  • Master Global Services

  • RideShare

  • Purchase Protection

  • Ticket Saver

  • Price Protection

  • Extended Warranty

  • Identity Theft Protection

  • Travel and Lifestyle Services

  • Travel Assistance Services

  • MasterAssist Plus

  • Master Travel Rewards

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

  • Priority Pass Access

  • Cellular Phone Protection

  • MasterRental

  • MasterTravel Insurance

  • MasterAssist Black

  • Identity Theft Protection

  • Mastercard Black Concierge

  • Master Global Services

  • Purchase Protection

  • Insurance

  • Travel and Lifestyle Services

  • Travel Assistance Services

  • Price Protection

  • Extended Warranty

  • ATM Robbery and Assault Protection

  • MasterTravel Rewards

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

Rewards Program

Earn 2 points for every $1

You will want to use your Beyond credit card for everything. You get paid for everything you purchase3.

 

Earn up to 5,0004 bonus points for using your credit card.

Find out how Beyond rewards you better.

 

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Rewards Program

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Pay your Beyond with points

Use your points to pay your Beyond credit card.

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Give the perfect gift

Find the perfect gift for someone special or yourself in our Rewards Program.

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Access more offers

Get more opportunities to save with offers exclusively for you.

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Plan your travel easily

Enjoy the best vacation planning experience. Use your points to book flights, hotels, cruises, attractions, and vacation packages. You can also create your travel profile for future vacations.

See Rewards Program

Your Beyond Ultimate Mastercard World Elite allows you to enjoy the following benefits:

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Priority Pass™ Airport Lounge Access

Get access to more than 600 VIP lounges at major airports in 100+ countries around the world. Regardless of whether you have a frequent flyer membership, or your ticket class, you can enjoy these airport lounges.⁷

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MasterAssist Black

MasterAssist Black is a comprehensive medical program for travel. It includes medical expense benefits, emergency medical evacuation, VIP transportation services, emergency family travel, and more.⁷

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Mastercard Black Concierge

The ultimate in services for the most discerning lifestyle. It is like having a personal assistant, available 24 hours a day, every day of the year. We provide you with information to coordinate your business or leisure travel.⁷

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Mastercard Global Services

Mastercard Global ServicesTM provides you with 24/7 assistance worldwide. Includes reporting if your card is lost or stolen, replacement with an emergency card and an emergency cash advance.⁷

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Beyond Mobile

Make payments with your Beyond credit card using the digital wallet on your Android device.⁶

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Chargegard Ultimate

Optional Protection Plan designed to pay off the balance on your credit card.⁸

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Alerts and Fraud Protection

We protect you from identity theft. If we detect any suspicious or fraudulent purchases, we will send you an email or text message.⁵

HOW TO APPLY

Ready to apply?

Have the following information available before applying.

  • Social Security 

  • One (1) valid ID 

  • Driver's License 

  • Passport 

  • Military ID 

  • Government ID 

  • U.S. Permanent Resident ID

Once you have the information, click here. 

 

Apply
FREQUENTLY ASKED QUESTIONS

 

When you open a FirstBank credit card you are automatically enrolled in our Rewards Program! 

No, it is free of charge.

You can redeem points online 24/7 at www.rewardsfirstbank.com or by calling a Customer Service Representative at 1-855-701-BANK (2265) from Monday through Sunday, from 6:00 a.m. to 12:00 a.m. (AST). Travel customer service representatives are available from 9:00 a.m. to 9:30 p.m. (EST), Monday through Friday; and 9:00 a.m. to 6:00 p.m. (EST) on Saturdays.

See FAQs
Subject to credit approval. Certain restrictions apply. Offer will be valid until June 30, 2025 , and is only available for new accounts. It may not be applied in combination with other offers. 1 0% introductory APR for 15 months on purchases made during the first 6 months after opening your account. After the introductory period, your APR will be 17.50% to 29.75% based on your creditworthiness at the time you opened your account. 2Introductory APR of 0% for the first 15 months after opening your account for balance transfers made during the first 3 months after opening the account. After the introductory period, your APR will be 17.50% to 29.75% based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be 26.00% to 31.00%, based on your creditworthiness at the time you opened your account. These APRs may vary with the market, based on the Prime Rate. Penalty APR of 29.99%. 3Visit https://rewardsfirstbank.com for rewards program details. 4The offer of 5,000 points is broken down as follows: you will receive 1,500 points after you spend $1,000 on purchases in the first 3 months after opening the account, 500 points for subscribing online at https://rewardsfirstbank.com within the first 30 days after opening the account, and 3,000 points for a balance transfer within the first 3 months after opening your account. This offer is valid only for new accounts. The date of the purchase transaction will determine if it qualifies for the offer. If there is a delay in the transaction submission from the merchants to us, or if the date of the purchase is different from the date the transaction was made and is after 3 months from account opening, that purchase will not qualify for the offer. In addition, if you return your purchase, it will not qualify for the offer. 5Fraud alerts apply only for transactions considered suspicious or fraudulent. You can receive fraud alerts by e-mail and/or text message as long as we have your information registered correctly in our systems and your service provider has the service available. 6The pay services are subject to the provider terms and conditions: Samsung Pay and Google Pay. For more information on Beyond Mobile click here. 7Insurances and services offered directly by Mastercard. Mastercard is a commercial LAC region association registered trademark and is used by the issuer under license. 8The insurance products offered by FirstBank Insurance Agency LLC. do not represent a bank deposit, are not assured by the FDIC or by any other federal government agency, nor by FirstBank Puerto Rico, or any of their subsidiaries. Obtaining this insurance is optional and is not a condition to determine credit approval. 

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