Points · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
FirstBank Beyond One Visa is a no-annual-fee points card from FirstBank. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it returns about $246, an effective 1% back. The welcome bonus, 2,000 points after $1,000 in 3 months, adds to the first year's return.
There is no reason to hold it for rewards. It is a card for the banking relationship, or a first card. It charges 1% on foreign purchases, so leave it home when you travel abroad.
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.
FirstBank adds nothing beyond the Visa Traditional benefits below.
These come from Visa, not from FirstBank. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Beyond One VisaThis card · 1x on everything | None | $246 | +$246 | 711th of 1,291 |
| Beyond One MastercardFirstBank's most-held other card · 1x on everything | None | $246 | +$246 | 710th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
