Introductory APR

0%

for 15 months

on purchases made during the first 6 months after opening account1

0%

for 15 months

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

Beyond Ultimate Visa Credit Card black.

Beyond Ultimate Visa Credit Card

  • 0% for 15 months on purchases made during the first 6 months after opening your account.
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Beyond One Visa
Beyond Platinum Visa
Beyond Global Visa
Beyond Ultimate Visa Credit Card
Beyond One Visa
Beyond Platinum Visa
Beyond Global Visa
Beyond Ultimate Visa Credit Card
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 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

Beyond Business Mastercard (DBA)
Beyond Business Mastercard (DBA)
Introductory APR on purchases

1.99% 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.

Rewards Program

1.25 points for every $1

Annual Fee

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

Benefits

  • Mastercard Coverage

  • MasterTravel Insurance

  • MasterRental

  • Purchase Protection

  • Extended Warranty

  • ATM Robbery and Assault Protection

  • Alerts and Fraud Protection

  • Beyond Mobile

  • Chargegard Ultimate

Beyond Business Mastercard (DBA)
Beyond Business Mastercard (DBA)
Introductory APR on purchases

1.99% por 6 meses en compras realizadas durante los primeros 6 meses de la apertura de la cuenta.

Introductory APR on balance transfers

1.99% en transferencia de balances realizadas durante los primeros 6 meses de la apertura de la cuenta.

Rewards Program

1.25 puntos por cada $1

Annual Fee

$0 por los primeros 12 meses, luego $50

Benefits

  • Seguro de Viajes

  • Seguro de Autos

  • Garantía extendida

  • Protección de Compras

  • MasterCoverage

  • Protección Robo de Efectivo

  • Alertas de Fraude

  • Beyond Mobile

  • Chargegard Ultimate

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
Beyond Business Mastercard (DBA)
Introductory APR on purchases

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 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.

Introductory APR on balance transfers

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.

0% por 15 meses en transferencia de balances realizadas durante los primeros 3 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.

Rewards Program

1 punto por cada $1

1 punto por cada $1

2 puntos por cada $1

1.25 puntos por cada $1

Annual Fee

$0 cuota anual

$0 cuota anual

$0 cuota por los primeros 12 meses, luego $150

$0 por los primeros 12 meses, luego $50

Benefits

  • Mastercard Global Services

  • Protección de Robo de Identidad

  • Seguro de Viajes

  • 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

  • Acceso Priority Pass

  • 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

  • Seguro de Viajes

  • Seguro de Autos

  • Garantía extendida

  • Protección de Compras

  • MasterCoverage

  • Protección Robo de Efectivo

  • Alertas de Fraude

  • 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 on the Rewards Program when using your credit cards.

Find out how Beyond rewards you better.

 

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Rewards Program

Cerrar
Icon of two coins with green arrows

Pay your Beyond with points

Use your points to pay your Beyond credit card.

Icon of a gift box with a green star in it.

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.

Icon of a plane

Plan your travel easily

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

See Rewards Program

Your Beyond Ultimate Visa credit card lets you enjoy the following benefits:

Toy life preserver next to toy airplane.

Travel Accident Insurance

We offer coverage in case of death or bodily injury suffered due to accidents that are the sole cause of loss of life or limb, while traveling or on the aircraft anywhere in the world.⁷

Girl offering water to a smiling girl

Priority Pass Access

You have 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

Silver doorbell on a white table.

Visa Concierge

Your 24/7 personal assistant for delivery of gifts, show tickets, travel arrangements, car rental, luxury transportation and more.⁷

105675332

Access to Visa Luxury Hotel Collection

You have access to renowned and luxurious hotels in the Visa Luxury Hotel Collection program: the best rates, room upgrades, continental breakfasts, and VIP stays.⁷

Man smiling in a blue car.

Auto Rental Insurance

If you pay for a rental, you will be covered for damage to the rental car reserved for up to 31 days.⁷

Yellow and blue travel suitcases

Baggage Loss Insurance

Your luggage is protected. If your baggage, or that of any person you have purchased a ticket for with your eligible Visa card, is lost and is not recoverable, you are covered.⁷

2060238374

Alerts and Fraud Protection

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

Closeup of hand making contactless payment in cafe using smartphone

Beyond Mobile

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

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 1-866-695-2511 (toll free).

 

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, 2024 and only for new accounts. Does not apply in combination with other offers. 1 0% introductory APR for 15 months on purchases made during the first 6 months after opening your account. Subsequently, the APR will be 18.00% up to 30.25%, 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 18.00% up to 30.25%, based on your creditworthiness at account opening. The APR for Cash Advances will be 26.50% up to 31.50%, 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.  

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