Personal Loan
Beyond Platinum Visa
- 1.99% for 6 months on purchases made during the first 6 months after opening your account.
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Beyond Platinum Visa Credit Card
Routing number: 221571473
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-
Mastercard
-
Visa
-
All
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% 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.
1.25 points for every $1
1 point for every $1
$0 annual fee for the first 12 months, then $50
$0 annual fee
-
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
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 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.
1 point for every $1
2 points for every $1
$0 annual fee
$0 annual fee for the first 12 months, then $150
-
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
- 1
- 2
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 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.
1 point for every $1
1 point for every $1
$0 annual fee
$0 annual fee
-
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
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.
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.
1.25 points for every $1
2 points for every $1
$0 annual fee for the first 12 months, then $50
$0 annual fee for the first 12 months, then $150
-
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
- 1
- 2
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 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.
1 point for every $1
1 point for every $1
$0 annual fee
$0 annual fee
-
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
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.
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.
1.25 points for every $1
2 points for every $1
$0 annual fee for the first 12 months, then $50
$0 annual fee for the first 12 months, then $150
-
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
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% 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.
1.25 points for every $1
1 point for every $1
$0 annual fee for the first 12 months, then $50
$0 annual fee
-
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
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 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.
1 point for every $1
2 points for every $1
$0 annual fee
$0 annual fee for the first 12 months, then $150
-
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
- 1
- 2
- 3
- 4
-
Mastercard
-
Visa
-
All
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.
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.
1.25 points for every $1
1 point for every $1
1 point for every $1
2 points for every $1
$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
-
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
1.99% por 6 meses en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
0% por 15 meses en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
0% por 15 meses en transferencia de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
0% por 15 meses en transferencia de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
1 punto por cada $1
2 puntos por cada $1
$0 cuota anual
$0 por los primeros 12 meses, luego $150
-
Mastercard Global Services
-
Protección de Robo de Identidad
-
Seguro de Viajes
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
-
Acceso Priority Pass
-
MasterAssist Black
-
Protección de Robo de Identidad
-
Concierge Mastercard Black
-
Mastercard Global Services
-
Protección de Compras
-
Seguro de Viajes
-
Seguro de Autos
-
Protección para Teléfono Celular
-
Servicios de Viaje y Estilo de Vida
-
Asistencia de Viajes
-
Protección de Precios
-
Garantía Extendida
-
Protección Robo de Efectivo
-
Master Travel Rewards
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
1.99% por 6 meses en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
1.99% por 6 meses en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
1.99% en transferencia de balances realizadas durante los primeros 6 meses de la apertura de la cuenta.
0% por 15 meses en transferencia de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
1.25 puntos por cada $1
1 punto por cada $1
$0 por los primeros 12 meses, luego $50
$0 cuota anual
-
Seguro de Viajes
-
Seguro de Autos
-
Garantía extendida
-
Protección de Compras
-
MasterCoverage
-
Protección Robo de Efectivo
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
-
Platinum Concierge
-
Inconveniencia y Cancelación de Viaje
-
Protección de Equipaje
-
Protección para Teléfono Celular
-
Mastercard Global Service
-
Protección para viajes compartidos
-
Seguro de Autos
-
Protección de Compras
-
Protector de Boletos
-
Protección de Precios
-
Garantía Extendida
-
Protección de Robo de Identidad
-
Servicios de Viaje y Estilo de Vida
-
Asistencia de Viajes
-
MasterAssist Plus
-
Mastercard Travel Rewards
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
- 1
- 2
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.
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.
1 point for every $1
1 point for every $1
1.25 points for every $1
2 points for every $1
$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
-
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
1.99% por 6 meses, en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
1.99% por 6 meses, en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
0% por 15 meses en transferencias de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
0% por 15 meses en transferencias de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
1 punto por cada $1
1 punto por cada $1
$0 cuota anual
$0 cuota anual
-
Protección de Compras
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
-
Protección de Compras
-
Seguro de Alquiler de Auto
-
Emergencias Médicas Internacional
-
Garantía Extendida
-
Protección de Precios
-
Seguro de Perdida de Equipaje
-
Visa Concierge
-
Access a Visa Luxury Hotel Collection
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
0% por 15 meses, en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
0% por 15 meses, en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.
0% por 15 meses en transferencias de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
0% por 15 meses en transferencias de balances realizadas durante los primeros 3 meses de la apertura de la cuenta.
1.25 puntos por cada $1
2 puntos por cada $1
$0 por los primeros 12 meses, luego $50
$0 por los primeros 12 meses, luego $150
-
Protección de Compras
-
Seguro de Alquiler de Auto
-
Garantía Extendida
-
Protección de Precios
-
Seguro de Pérdida de Equipaje
-
Visa concierge
-
Acceso a Visa Luxury Hotel Collection
-
Emergencias Médicas Internacional
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
-
Acceso Priority Pass
-
Seguro Accidente de Viaje
-
Seguro Alquiler de Auto
-
Protección de compras
-
Compensación por Emergencias Medicas
-
Garantía Extendida
-
Protección de Precios
-
Seguro de Perdida de Equipaje
-
Visa concierge
-
Acceso a Visa Luxury Hotel Collection
-
Seguro de Cancelación de Viaje
-
Visa Airport Companion
-
Retraso de Equipaje
-
Alertas de Fraude
-
Beyond Mobile
-
Chargegard Ultimate
- 1
- 2
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.
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.
1.25 points for every $1
1 point for every $1
1 point for every $1
2 points for every $1
$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
-
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
0% for 15 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.
1.99% for 6 months on purchases 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.
0% for 15 months on balance transfers made during the first 3 months after opening your account.
1.25 points for every $1
1 point for every $1
2 points for every $1
1 point for every $1
$0 annual fee for the first 12 months, then $50
$0 annual fee
$0 annual fee for the first 12 months, then $150
$0 annual fee
-
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
-
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
-
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
-
Purchase Protection
-
Alerts and Fraud Protection
-
Beyond Mobile
-
Chargegard Ultimate
- 1
- 2
Your Beyond Platinum Visa allows you to enjoy the following benefits:
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.
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.
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 17.00% up to 29.25%, 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 17.00% up to 29.25%, based on your creditworthiness at account opening. The APR for Cash Advances will be 25.50% up to 30.50%, 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. ⁷Visa 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.