Beyond Ultimate Mastercard
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.
How we calculate effective rate →
The Beyond Ultimate Mastercard from FirstBank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $150. 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
- 2%
- Annual fee
- $150
Best for dining-heavy spend when the $150 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Beyond Ultimate Mastercard earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Beyond Ultimate Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Beyond Ultimate Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
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 Ultimate Mastercard?
The Beyond Ultimate Mastercard fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Beyond Ultimate Mastercard fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 59% 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 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $150 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $150 annual fee requires enough spend in bonus categories to offset.
- FirstBank Rewards value depends on how you redeem, not straight cash back.
What is the Beyond Ultimate Mastercard welcome bonus?
In Madeen's catalog snapshot, the Beyond Ultimate 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. First-year annual fee waived.
- Minimum spend
- $1,000
- Window
- 3Months
Does the Beyond Ultimate Mastercard have an annual fee?
The Beyond Ultimate Mastercard has an annual fee of $150 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $150
- Foreign transaction fee
- None
What travel perks does the Beyond Ultimate Mastercard include?
The Beyond Ultimate Mastercard includes Lounge access, Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
Priority Pass provides travelers with access to VIP lounges in airports.
What benefits come with the Beyond Ultimate Mastercard?
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
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.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
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+. Offer expires 1/31/2027.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
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/yrEnroll in 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 premium preferred seats and 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.
Related encyclopedia topics
Common questions about the Beyond Ultimate Mastercard
Does the Beyond Ultimate Mastercard have an annual fee?
The Beyond Ultimate Mastercard carries an annual fee of $150 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 Ultimate Mastercard?
Dining is the strongest Madeen category for the Beyond Ultimate Mastercard at about 2% 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 Ultimate Mastercard charge foreign transaction fees?
The Beyond Ultimate Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Beyond Ultimate Mastercard welcome bonus?
The Beyond Ultimate 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.
Is the Beyond Ultimate Mastercard annual fee worth it?
Whether the $150 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 Ultimate Mastercard?
Madeen's catalog lists a typical credit range of Excellent for the Beyond Ultimate Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Beyond Ultimate Mastercard compare to similar cards?
Compare the Beyond Ultimate Mastercard against Beyond Ultimate Visa (2% on Dining, $150 fee); Beyond Business Mastercard (DBA) (1.3% on Dining, $50 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 Ultimate Mastercard This card | Dining | 2% | $150 |
FirstBank | Dining | 2% | $150 |
FirstBank | Dining | 1.3% | $50 |
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.
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