More rewards and better benefits
1.99% introductory APR for 6 months on purchases made during the first 6 months after opening your account.1
0% introductory APR for 15 months on balance transfers made during the first 3 months after opening your account.2
Free Rewards Program that allows you to earn 1 point for each $1 spent on purchases.3
Earn up to 5,0004 bonus points on the Rewards Program when using your credit card.
Fraud Alerts5 via text message and email.
Contactless Pay: make payments by simply holding your card over the payment terminal.
Special offers with exclusive savings for you.
Beyond Mobile6 to pay with your Beyond credit card using the digital wallet with your Android device.
Mastercard Global Service provides 24-hour Platinum wide assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.7
Luggage Protection if your luggage is lost and determined to be unrecoverable, it’s insured up to USD $1.2K.
Trip Cancellation and Delay benefits may be provided for trips that are canceled due to an unexpected death, serious injury, or sickness.7
Cellular Phone Protection provides coverage in case of robbery, theft or accidental damage to the covered phone.7
Learn more about Mastercard's benefits7
Optional Chargegard Ultimate Protection Plan for credit cards8
Subject to credit approval. Certain restrictions apply. Offer will be valid until June 30, 2022, and is only available for new accounts. It may not be applied in combination with other offers.
1Introductory APR of 1.99% for 6 months after opening your account for purchases made during the first 6 months after opening the account. After the introductory period, your APR will be 15.50% to 27.75% based on your creditworthiness at the time you opened your account.
2Introductory APR of 0% for the first 15 months after opening your account for balance transfers made during the first 3 months after opening the account. After the introductory period, your APR will be 15.50% to 27.75% based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be 24.00% to 29.00%, 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%.
https://rewardsfirstbank.com/ for rewards program details.
4The offer of 5,000 points is broken down as follows: 1,500 points after you spend $1,000 on purchases in the first 3 months from account opening, 500 points by subscribing online at
https://rewardsfirstbank.com/ 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 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 from account opening, that purchase will not qualify for the offer. In addition, if you return your purchase, it does not qualify for the offer.
5Fraud alerts apply only for transactions considered suspicious or fraudulent. You can receive fraud alerts by e-mail and/or text message as long as we have your information registered correctly in our systems and your service provider has the service available.
6The Samsung Pay, Android Pay, and Google Pay services are subject to provider terms and conditions. For more information
7Insurances and services offered directly by Mastercard. Mastercard 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. do not represent a bank deposit, are not assured by the FDIC or by any other federal government agency, nor by FirstBank Puerto Rico, or any of their subsidiaries. Obtaining this insurance is optional and is not a condition to determine credit approval.