Subject to credit approval. Certain restrictions apply. Offer will be valid until December 31, 2021, 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 13.25% to 25.50% 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 13.25% to 25.50% based on your creditworthiness at the time you opened your account. The APR for Cash Advances will be 21.75% to 26.75%, 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%. ³Visit http://www.rewardsfirstbank.com  for rewards program details. ⁴The 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. 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 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. 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.