Beyond Business Mastercard (DBA)
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How we calculate effective rate →
The Beyond Business Mastercard (DBA) from FirstBank earns up to 1.3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $50. 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
- 1.3%
- Annual fee
- $50
Worth a look for dining spend if you need a business card and can use FirstBank Rewards the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1.3x points. The welcome bonus can help if you can meet the spend requirement.
What does the Beyond Business Mastercard (DBA) earn in each category?
Dining is the strongest category at 1.3% effective value (1.3x points at about 1 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Beyond Business Mastercard (DBA) compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.3% effective value (1.3x points at about 1 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Beyond Business Mastercard (DBA) compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.3x points | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1.3x points | 1.3% |
| Gas Gas stations and fuel | 1.3x points | 1.3% |
| Travel Flights, hotels, transit | 1.3x points | 1.3% |
| Other General everyday spend | 1.3x points | 1.3% |
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 Business Mastercard (DBA)?
The Beyond Business Mastercard (DBA) fits spenders who put meaningful volume in dining and can earn 1.3x points. Best for spenders who put meaningful volume in dining and can earn 1.3x points. The welcome bonus can help if you can meet the spend requirement.
Beyond Business Mastercard (DBA) fits spenders who put meaningful volume in dining and can earn 1.3x points. Madeen ranks its dining effective rate higher than about 34% 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 1.3x points. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $50 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use FirstBank Rewards the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1.3x points).
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $50 annual fee requires enough spend in bonus categories to offset.
- Charges $1.40 foreign transaction fees.
- FirstBank Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Beyond Business Mastercard (DBA) welcome bonus?
In Madeen's catalog snapshot, the Beyond Business Mastercard (DBA) 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.
- 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. First-year annual fee waived.
- Minimum spend
- $1,000
- Window
- 3Months
Does the Beyond Business Mastercard (DBA) have an annual fee?
The Beyond Business Mastercard (DBA) has an annual fee of $50 and a foreign transaction fee of $1.40. Confirm current fees on the issuer page before applying.
- Annual fee
- $50
- Foreign transaction fee
- $1.40
What benefits come with the Beyond Business Mastercard (DBA)?
The Beyond Business Mastercard (DBA) includes Car Rental Insurance, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
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.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9
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.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
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$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
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$10/yrSave 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
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$10/yrImpress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Priceless Experiences®
$10/yrShare with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
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Common questions about the Beyond Business Mastercard (DBA)
Does the Beyond Business Mastercard (DBA) have an annual fee?
The Beyond Business Mastercard (DBA) carries an annual fee of $50 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 Business Mastercard (DBA)?
Dining is the strongest Madeen category for the Beyond Business Mastercard (DBA) at about 1.3% 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 Business Mastercard (DBA) charge foreign transaction fees?
The Beyond Business Mastercard (DBA) 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 Business Mastercard (DBA) welcome bonus?
The Beyond Business Mastercard (DBA) 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.
Is the Beyond Business Mastercard (DBA) annual fee worth it?
Whether the $50 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Beyond Business Mastercard (DBA)?
Madeen's catalog lists a typical credit range of Good for the Beyond Business Mastercard (DBA). Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Beyond Business Mastercard (DBA) compare to similar cards?
Compare the Beyond Business Mastercard (DBA) against Beyond Ultimate Mastercard (2% on Dining, $150 fee); Beyond Ultimate Visa (2% on Dining, $150 fee); Beyond Global Visa (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 Business Mastercard (DBA) This card | Dining | 1.3% | $50 |
FirstBank | Dining | 2% | $150 |
FirstBank | Dining | 2% | $150 |
FirstBank | Dining | 1.3% | $50 |
FirstBank | Dining | 1% | $0 |
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.
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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.
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