
First Technology FCU Platinum Mastercard Credit Card
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Purchase APR (Variable APR) |
9.99% - 18% (Verified 11/24/2022) |
Balance Transfer APR (Variable APR) |
9.99% - 18% (Verified 11/24/2022) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
First Technology FCU Platinum Mastercard Credit Card Review
This is a card issued by First Tech Federal Credit Union. If you're wondering whether First Technology FCU Platinum Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Competitive APRs. First Technology FCU Platinum Mastercard Credit Card has a variable purchase APR that ranges from 9.99% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of First Technology FCU Platinum Mastercard Credit Card
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First Technology FCU Platinum Mastercard Credit Card FAQ
Does First Technology FCU Platinum Mastercard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the First Technology FCU Platinum Mastercard Credit Card benefits?
It provides the following benefits:
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for First Technology FCU Platinum Mastercard Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.First Technology FCU Platinum Mastercard Credit Card has a variable purchase APR that ranges from 9.99% up to 18%. The card has a variable balance transfer APR that ranges from 9.99% up to 18%. It also has a variable cash advance APR that ranges from 10.99% up to 18%.
Does First Technology FCU Platinum Mastercard Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 9.99% - 18% |
Balance Transfer Fee % | 0% |
Does First Technology FCU Platinum Mastercard Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Technology FCU Platinum Mastercard Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does First Technology FCU Platinum Mastercard Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for First Technology FCU Platinum Mastercard Credit Card?
The First Technology FCU Platinum Mastercard Credit Card customer service number is .
What is the First Technology FCU Platinum Mastercard Credit Card login page?
You can access the First Technology FCU Platinum Mastercard Credit Card login page here.
How do people rate the customer service and user experience of First Technology FCU Platinum Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Technology FCU Platinum Mastercard Credit Card report your account activity to credit bureaus?
Yes, First Technology FCU Platinum Mastercard Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for First Technology FCU Platinum Mastercard Credit Card
- Visit the First Technology FCU Platinum Mastercard Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
2702 Orchard Pkwy
San Jose, CA 95134 USA - Visit Site
Other Services by First Tech Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $0 |
Cash Advance Fee (%) | 0% |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
No Interest Grace Period for Late Payment | 21 days |
Returned Payment Fee | Up to $25 |
Late Fee Amount | Up to $25 |
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