First Technology FCU Platinum Mastercard Credit Card Review

This is a credit card issued by First Technology Federal Credit Union. If you're wondering whether First Technology FCU Platinum Mastercard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 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 6.99% 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.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Travel assistance insurance Trip cancellation insurance. Considers applicants with fair or poor credit. No foreign transaction fee. First Technology FCU Platinum Mastercard Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 6.99% up to 18%. The card has a variable balance transfer APR that ranges from 6.99% up to 18%. It also has a variable cash advance APR that ranges from 7.99% up to 18%.

What are the fees for First Technology FCU Platinum Mastercard Credit Card?

The following fees apply:

First Technology FCU Platinum Mastercard Credit Card Fees

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 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.