Introductory APR

1.99%

on purchases

made during the first 6 months after opening your account¹

1.99%

on balance transfers

made during the first 6 months after opening your account¹

Beyond Business Mastercard

Beyond Business Mastercard (DBA)

  • 1.99% for 6 months on purchases made during the first 6 months of account opening.
Apply

Beyond Business Mastercard (DBA)
Beyond One Mastercard
Beyond Platinum Mastercard
Beyond Ultimate Mastercard World Elite
Beyond Business Mastercard (DBA)
Beyond One Mastercard
Beyond Platinum Mastercard
Beyond Ultimate Mastercard World Elite
Introductory APR on purchases

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

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

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

1.99% on balance transfers made during the first 6 months after opening your account.

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.

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

Rewards Program

1.25 points for every $1

1 point for every $1

1 point for every $1

2 points for every $1

Annual Fee

$0 annual fee for the first 12 months, then $50

$0 annual fee

$0 annual fee

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

Benefits

  • Mastercard Coverage

  • MasterTravel Insurance

  • MasterRental

  • Purchase Protection

  • Extended Warranty

  • ATM Robbery and Assault Protection

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

  • Mastercard Global Services

  • Identity Theft Protection

  • Master Travel Insurance

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

  • 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

Beyond One Visa
Beyond Platinum Visa
Beyond Global Visa
Beyond Ultimate Visa
Beyond One Visa
Beyond Platinum Visa
Beyond Global Visa
Beyond Ultimate Visa
Introductory APR on purchases

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

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.

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.

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

1 point for every $1

1.25 points for every $1

2 points for every $1

Annual Fee

$0 annual fee

$0 annual fee

$0 annual fee for the first 12 months, then $50

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

Benefits

  • Purchase Protection

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

  • Purchase Protection

  • Auto Rental Insurance

  • Medical Emergencies

  • Extended Warranty

  • Price Protection

  • Baggage Loss Insurance

  • Visa Concierge

  • Access to Visa Luxury Hotel Collection

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

  • Purchase Protection Visa concierge

  • Auto Rental Insurance

  • Extended Warranty

  • Price Protection

  • Baggage Loss Insurance

  • Visa Concierge

  • Access to visa Luxury Hotel Collection

  • International Medical Emergencies

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

  • Purchase Protection

  • Auto Rental Insurance

  • International Medical Emergencies

  • Extended Warranty

  • Price Protection

  • Baggage Loss Insurance

  • Visa Concierge

  • Access to Visa Luxury Hotel Collection

  • Visa Airport Companion

  • Luggage Delay

  • Travel Accident Insurance

  • Priority Pass Access

  • Trip Cancellation

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

Rewards Program

Earn 1.25 points for every $1

You’ll want to use your Beyond credit card for everything, because everything you pay for, pays you back.²

 

Earn up to 5,000³ bonus points using your credit card.

Find out how Beyond rewards you.

 

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Rewards Program

Cerrar
design of two coins with a star and a dollar symbol with green arrows around

Pay with reward points

Redeem your points to pay for transactions made on your Beyond credit card.

Gift box with a green star on it

Give the perfect gift

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

Tags with a green percent symbol

Access more offers

Get more opportunities to save with offers exclusively for you.

See offers
desing of a plane

Plan your trips easily

Enjoy the best vacation planning experience. Book flights, hotels, cruises, attractions, and vacation packages with your points.

See the Rewards Program

Your Beyond Business Mastercard allows you to enjoy the following benefits:

Toy plane in hands.

Master Traveler Insurance

Master Travel Insurance gives you traveler privileges, including accident insurance for you and your family. If there are any airfare changes and/or flight changes, your trip is covered from the start.⁵

Man driving his car while smiling with his partner as co-driver.

Master Rental

Master Rental protects you from damage to the rental vehicle caused by collision, theft, fire, and more.⁵

766330654

Purchase Protection

Your purchases benefit from a guarantee in case of theft or accidental damage during the first 30 days after the date of purchase.⁵

2060238374

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.⁴

Closeup of young female hand making contactless payment in cafe using smartphone

Beyond Mobile

Make payments with your Beyond using the digital wallet on your Android device.⁵

Woman adding card information to her computer.

Chargegard Ultimate

Optional Protection Plan, designed to pay off the balance on your credit card.⁷

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 card 

Once you have the information, click here. 

 

Apply
FREQUENTLY ASKED QUESTIONS

Wages and/or Salaried

· The last two (2) pay stubs dated no more than 30 days

 

Self-employed and/or professional services

· Last tax return or financial statement certified by a CPA

· Last three (3) bank statements

 

Retired and/or Pensioned

· Pension Certificate

 

For any other additional information regarding income evidence, please contact us at 787.282.2800

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 valid until December 31, 2025  and only for new accounts. Does not apply in combination with other offers. 1Introductory rate of 1.99% APR for purchases made during the first 6 months of account opening. Subsequently, the APR will be 17.50% up to 29.75%, based on your creditworthiness at account opening. 2Introductory rate of 0% APR for the first 15 months after account opening for balance transfers made during the first 3 months after account opening. Subsequently, the APR will be 17.50% up to 29.75%, based on your creditworthiness at account opening. The APR for Cash Advances will be de 26.00% up to 31.00%, based on your creditworthiness at account opening. The above APRs may vary according to the market based on the U.S. Prime Rate. Penalty APR of 29.99%. 3Visit https://rewardsfirstbank.com  for details of the rewards program. 4The 5,000 point offer is broken down as follows: you will receive 1,500 points for making $1,000 in purchases within the first 3 months of account opening, 500 points for signing up online at https://rewardsfirstbank.com within the first 30 days of account opening, and 3,000 points for making a balance transfer within the first 3 months of account opening. This offer is valid for new accounts only. The transaction date on the purchase will determine if the purchase qualifies for the offer. If there is a delay in merchants submitting transactions to us, or if the purchase date is different from the date the transaction was made, and the transaction falls outside of the first 3 months of account opening, that purchase will not qualify for the offer. In addition, if you return the purchase, it will not qualify for the offer. 5Fraud alerts apply only to transactions considered suspicious or fraudulent. You may receive fraud alerts by email and/or text message provided we have your information correctly recorded in our systems and if 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. ⁷Mastercard 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. are not a bank deposit, they are not insured by the FDIC or any other federal government agency. Neither are they insured by FirstBank Puerto Rico or any of its subsidiaries. Obtaining this insurance is optional and not a condition for credit approval.

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