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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Entry level product at your reach.

B​enefits:


  • 0% introductory APR on purchases for the first 15 months after opening your account. Afterwards, your APR will be from 12.50% to 24.75%.​1

  • 0% introductory APR on balance transfers for the first 15 months after opening your account. Afterwards, your APR will be from 12.50% to 24.75%.1

  • Purchases and balance transfers must be made during the first 6 months after opening the account.

  • $0 annual fee.1
  • Rewards Program that allows you to earn 1 point for each $1 spent on purchases, with no enrollment fee​.2

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

  • Learn more about Visa​’s benefits​.4

  • Optional Chargegard Ultimate Protection Plan for credit cards.5

LEGAL USVI

Subject to credit approval. Certain restrictions apply. 1 Offer will be valid until December 31, 2017, and is only available for new accounts. It may not be applied in combination with other offers. Introductory APR of 0% for the first 15 months after opening your account for purchases and balance transfers made during the first 6 months after opening the account. After the introductory period, your APR will be 12.50% to 24.75%, based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be 19.00% to 24.75%, 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 Annual Fee. 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 a $2.00 minimum and $10.00 maximum, for each one. Transaction fees for any transaction made in foreign currency or for any transactions made in US dollars processed outside the United States will be of 1.00% of each transaction in US dollars for Visa. This fee will be applied in addition to any other applicable fees. Subject to credit approval, and certain restrictions apply. The account must remain in good standing and be opened during the valid term of the offer in order to obtain these benefits. The introductory offer for balance transfers is subject to availability of funds in your credit line and cannot be used to pay, in full or partially, any debt with FirstBank. There are no grace periods on balance transfers. 2 Visit http://www.rewardsfirstbank.com for rewards program details. 3 The 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 http://www.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 it is after the 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. 4Insurances and services offered directly by Visa. Visa is a commercial LAC region association registered trademark and is used by the issuer under license. 5 The insurance products offered by FirstBank Insurance Agency LLC. do not represent a bank deposit, are not insured by the FDIC or by any other federal government agency, nor by FirstBank Puerto Rico, or any of its subsidiaries. Obtaining this insurance is optional and is not a condition to determine credit approval.​​


DISCLAIMER OF BVI UNAVAILABILITY

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

LEGAL USVI

Subject to credit approval. Certain restrictions apply. 1 Offer will be valid until December 31, 2017, and is only available for new accounts. It may not be applied in combination with other offers. Introductory APR of 0% for the first 15 months after opening your account for purchases and balance transfers made during the first 6 months after opening the account. After the introductory period, your APR will be 12.50% to 24.75%, based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be 19.00% to 24.75%, 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 Annual Fee. 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 a $2.00 minimum and $10.00 maximum, for each one. Transaction fees for any transaction made in foreign currency or for any transactions made in US dollars processed outside the United States will be of 1.00% of each transaction in US dollars for Visa. This fee will be applied in addition to any other applicable fees. Subject to credit approval, and certain restrictions apply. The account must remain in good standing and be opened during the valid term of the offer in order to obtain these benefits. The introductory offer for balance transfers is subject to availability of funds in your credit line and cannot be used to pay, in full or partially, any debt with FirstBank. There are no grace periods on balance transfers. 2 Visit http://www.rewardsfirstbank.com for rewards program details. 3 The 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 http://www.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 it is after the 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. 4Insurances and services offered directly by Visa. Visa is a commercial LAC region association registered trademark and is used by the issuer under license. 5 The insurance products offered by FirstBank Insurance Agency LLC. do not represent a bank deposit, are not insured by the FDIC or by any other federal government agency, nor by FirstBank Puerto Rico, or any of its subsidiaries. Obtaining this insurance is optional and is not a condition to determine credit approval.​​


DISCLAIMER OF BVI UNAVAILABILITY

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