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Beyond Business Mastercard

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​The ​credit card designed for business owners to maintain control of their company’s expenses,​ while rewarding them for all their business transactions.

Benefits:

  • Rewards Program that earns you 1.25 points for each $1 on purchases, with no enrollment fee1

  • $0 annual fee for the first 12 months, then $502

  • 1.99% introductory APR on purchases made during the first 6 statement closing dates. Afterwards, your APR will be from 12.75% to 22.75%2

  • 1.99% introductory APR on balance transfers for the first 6 statement closing dates. Afterwards, your APR will be from 12.75% to 22.75%2

  • Earn up to 5,0003 bonus points on the Rewards Program when using your credit card

  • Learn more about Mastercard’s benefits4

Credit Card Agreement

Pricing and Terms

Get to know our Rewards Program​

Access your account

Easy Payment Form​​​​​​

LEGAL USVI

Subject to credit approval. 1 Visit www.firstbankvi.com/rewards for details of the Rewards Program. 2 Introductory APR of 1.99% in purchases made during the first 6 statement closing dates after opening your account. After that, your APR will be from 12.75% to 22.75%, based on your creditworthiness at the time you opened your account. The introductory APR of 1.99% in balance transfers is for a term of 6 statement closing dates after opening your account. After that, your APR will be from 12.75% to 22.75%, based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be from 17.25% to 24.25%, 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%. $0 Intro fee for 12 months, then $50. Minimum Interest Charge: if you are charged interest, the charge will be no less than $1.50. Balance Transfers, Cash Advance and Convenience Checks: 2% of the amount of each transaction, with $2.00 minimum and $10.00 maximum for each one. Foreign transaction fee will be of 1.40% of each transaction in US dollars for Mastercard. This fee will be assessed in addition to any other applicable fee. Subject to credit approval and certain restrictions apply. The account must remain in good standing and opened during the term of the promotion in order to obtain these benefits. Subject to availability of funds in your credit line, balance transfers cannot be used to pay in full or partially any debt with FirstBank and/or its subsidiaries. There are no grace periods on balance transfers. 3 The offer of 5,000 points is broken down as follows: 1,500 points after you spend $1,000 in purchases within the first 3 months of opening your account, 500 points by subscribing online www.firstbankvi.com/rewards within the first 30 days from account opening, and 3,000 points for a balance transfer within the first 3 months from activating your account. This offer is valid only for new accounts. The date of the transaction will determine if it will qualify for the offer. If there is a de​lay in the submission of the transactions from the merchants to us, or if the date of the purchase is different from the date the transaction was made, and is after the 3 months of opening your account, that purchase will not qualify for the offer. In addition, if you return your purchase, it does not qualify for the offer. 4 Insurances and services offered directly by Mastercard. Mastercard is a commercial LAC region association registered trademark and is used by the issuer under license.


DISCLAIMER OF BVI UNAVAILABILITY

This product is not available for, nor offered to, British Virgin Island residents.

LEGAL USVI

Subject to credit approval. 1 Visit www.firstbankvi.com/rewards for details of the Rewards Program. 2 Introductory APR of 1.99% in purchases made during the first 6 statement closing dates after opening your account. After that, your APR will be from 12.50% to 22.50%, based on your creditworthiness at the time you opened your account. The introductory APR of 1.99% in balance transfers is for a term of 6 statement closing dates after opening your account. After that, your APR will be from 12​.50% to 22.50%, based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be from 17.00% to 24.00​%, 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%. $0 Intro fee for 12 months, then $50. Minimum Interest Charge: if you are charged interest, the charge will be no less than $1.50. Balance Transfers, Cash Advance and Convenience Checks: 2% of the amount of each transaction, with $2.00 minimum and $10.00 maximum for each one. Foreign transaction fee will be of 1.40% of each transaction in US dollars for Mastercard. This fee will be assessed in addition to any other applicable fee. Subject to credit approval and certain restrictions apply. The account must remain in good standing and opened during the term of the promotion in order to obtain these benefits. Subject to availability of funds in your credit line, balance transfers cannot be used to pay in full or partially any debt with FirstBank and/or its subsidiaries. There are no grace periods on balance transfers. 3 The offer of 5,000 points is broken down as follows: 1,500 points after you spend $1,000 in purchases within the first 3 months of opening your account, 500 points by subscribing online www.firstbankvi.com/rewards within the first 30 days from account opening, and 3,000 points for a balance transfer within the first 3 months from activating your acco​​unt. This offer is valid only for new accounts. The date of the transaction will determine if it will qualify for the offer. If there is a delay in the submission of the transactions from the merchants to us, or if the date of the purchase is different from the date the transaction was made, and is after the 3 months of opening your account, that purchase will not qualify for the offer. In addition, if you return your purchase, it does not qualify for the offer. 4 Insurances and services offered directly by Mastercard. Mastercard is a commercial LAC region association registered trademark and is used by the issuer under license.


DISCLAIMER OF BVI UNAVAILABILITY

This product is not available for, nor offered to, British Virgin Island residents.