FirstBank Beyond One Mastercard

No annual fee credit card from FirstBank Puerto Rico with 1 point per $1, 1.99% intro APR on purchases for 6 months, and 0% APR on balance transfers for 15 months.

Last checked on June 28, 2026. We may earn a commission when you click through.

✓ No annual fee ✓ 1 point for every $1 spent ✓ 1.99% intro APR on purchases for 6 months

FirstBank Beyond One Mastercard

Mastercard

Our Verdict

The FirstBank Beyond One Mastercard offers a solid option for those seeking a no-annual-fee card with low introductory rates.

What it really costs

Annual fee	No annual fee
APR Range	16.75% – 29%
Rewards1 point for every $1 spent	1%

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Who it's for

Best for users looking to manage debt with low introductory rates while earning rewards on everyday spending.

Watch out

Be cautious of the high regular APR that kicks in after the introductory period ends.

The good and the not so good

No annual fee
1 point for every $1 spent
1.99% intro APR on purchases for 6 months
0% APR on balance transfers for 15 months
Backed by Mastercard network

Regular APR up to 29.0%
Limited rewards structure
Higher rates for late payments
Average customer service reputation
Not ideal for frequent international travelers

In-Depth Review

For those who want a straightforward credit card, the FirstBank Beyond One Mastercard delivers with no annual fee and a rewards structure that earns 1 point for every dollar spent. The **1.99% introductory APR** on purchases for the first six months makes it appealing for new purchases, while **0% APR** on balance transfers for 15 months is a strong feature for those looking to consolidate debt. That said, the card does come with a **regular APR** that can reach **29.0%**, which is steep if you're not careful with payments. Users may also find the rewards program less attractive compared to cards offering points in multiple categories. Additionally, customer service experiences vary, which could affect your overall satisfaction. This card is not recommended for frequent international travelers, as foreign transaction fees may apply. In comparison to other options, such as the Discover it Cash Back card, which offers 5% cash back in rotating categories, the rewards potential here is more limited. According to FirstBank's official site, this card is best for managing everyday purchases and consolidating existing debt without the burden of annual fees.

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