Beyond Platinum Mastercard
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How we calculate effective rate →
The Beyond Platinum Mastercard from FirstBank earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 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 https://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..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the Beyond Platinum Mastercard earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Beyond Platinum Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Beyond Platinum Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values FirstBank Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Beyond Platinum Mastercard?
The Beyond Platinum Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Beyond Platinum Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $1.40 foreign transaction fees.
- FirstBank Rewards value depends on how you redeem, not straight cash back.
What is the Beyond Platinum Mastercard welcome bonus?
In Madeen's catalog snapshot, the Beyond Platinum Mastercard welcome offer is 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 https://rewardsfirstbank.com/ within the first 30 days after opening the account, and 3,000 points.
- Offer
- 2k FirstBank Rewards (~$20 estimated)
- Terms (catalog snapshot)
- 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 https://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.
- Minimum spend
- $1,000
- Window
- 3Months
Does the Beyond Platinum Mastercard have an annual fee?
The Beyond Platinum Mastercard has an annual fee of $0 and a foreign transaction fee of $1.40. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1.40
What benefits come with the Beyond Platinum Mastercard?
The Beyond Platinum Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Priceless Experiences
$10/yrEnjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Beyond Platinum Mastercard
Does the Beyond Platinum Mastercard have an annual fee?
The Beyond Platinum Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Beyond Platinum Mastercard?
Dining is the strongest Madeen category for the Beyond Platinum Mastercard at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Beyond Platinum Mastercard charge foreign transaction fees?
The Beyond Platinum Mastercard charges a foreign transaction fee of $1.40 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Beyond Platinum Mastercard welcome bonus?
The Beyond Platinum Mastercard welcome offer in our snapshot: 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 https://rewardsfirstbank.com/ within the first 30 days after opening the account, and 3,000 points for a.
What credit score do you need for the Beyond Platinum Mastercard?
Madeen's catalog lists a typical credit range of Good for the Beyond Platinum Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Beyond Platinum Mastercard?
Rewards on the Beyond Platinum Mastercard post as FirstBank Rewards. Redemption value depends on how you use FirstBank Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Beyond Platinum Mastercard compare to similar cards?
Compare the Beyond Platinum Mastercard against Beyond Ultimate Mastercard (2% on Dining, $150 fee); Beyond Ultimate Visa (2% on Dining, $150 fee); Beyond Business Mastercard (DBA) (1.3% on Dining, $50 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Beyond Platinum Mastercard This card | Dining | 1% | $0 |
FirstBank | Dining | 2% | $150 |
FirstBank | Dining | 2% | $150 |
FirstBank | Dining | 1.3% | $50 |
FirstBank | Dining | 1.3% | $50 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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FirstBank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FirstBank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure