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Last Updated: 07/28/2025

First Technology FCU Platinum Rewards Mastercard Credit

from First Tech Federal Credit Union

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

12.99% - 18%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

12.99% - 18%(Verified 06/21/2024)

Disclaimer popup with additional information

Credit Score Range

650 - 850

Annual Fee

First Technology FCU Platinum Rewards Mastercard Credit Review

This is a rewards card issued by First Tech Federal Credit Union. If you're wondering whether First Technology FCU Platinum Rewards Mastercard Credit is the right card for you, read on.

Key Takeaways

0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
Welcome offer. Offers a signup bonus of 10000 points that can be redeemed for travel, gifts, or other perks.
APRs: First Technology FCU Platinum Rewards Mastercard Credit has a variable regular purchase APR that ranges from 12.99% up to 18%.
No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , 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.
Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, purchase security, travel assistance, trip cancellation and interruption protection, and fraud protection.
Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of First Tech Platinum Rewards Mastercard Card

The Good

The Bad

Potentially lower than average purchase APRs.
0% APR balance transfer intro rate on balance transfers for 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 and Interruption Protection.
No foreign transaction fee.
Cardholders can earn rewards on purchases everywhere First Technology FCU Platinum Rewards Mastercard Credit is accepted.
First Technology FCU Platinum Rewards Mastercard Credit reports to multiple credit bureaus.

Rewards bonus rate of only 1% on purchases. Terms apply*.

First Tech Platinum Rewards Mastercard Card FAQ

Does First Tech Platinum Rewards Mastercard Card have a cash back or rewards program?

First Tech Platinum Rewards Mastercard Card is a rewards card.

First Tech Platinum Rewards Mastercard Card Rewards Breakdown

Description

Every Purchase

1 x points

Does First Tech Platinum Rewards Mastercard Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does First Tech Platinum Rewards Mastercard Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the First Tech Platinum Rewards Mastercard Card benefits?

First Technology FCU Platinum Rewards Mastercard Credit 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 Tech Platinum Rewards Mastercard Card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.

First Technology FCU Platinum Rewards Mastercard Credit has a variable purchase APR that ranges from 12.99% up to 18%. The card has a variable balance transfer APR that ranges from 12.99% up to 18%. It also has a variable cash advance APR that ranges from 13.99% up to 18%.

Does First Tech Platinum Rewards Mastercard 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 12 months.

First Technology FCU Platinum Rewards Mastercard Credit Balance Transfers

Description

Balance Transfer APR

12.99% - 18%

Balance Transfer Introductory APR

Balance Transfer Intro APR Period

12 months

Balance Transfer Fee %

Starting at 0%

Does First Tech Platinum Rewards Mastercard 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 Tech Platinum Rewards Mastercard Card?

First Technology FCU Platinum Rewards Mastercard Credit Fees

Description

Returned Payment Fee

Up to $25

Foreign Currency Transaction Fee

Starting at 0%

Annual Fee

No Foreign Transaction Fee?

No Annual Fee?

Late Fee Amount

Up to $25

Cash Advance Fee (%)

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does First Tech Platinum Rewards Mastercard 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.

How do people rate the customer service and user experience of First Tech Platinum Rewards Mastercard Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does First Technology FCU Platinum Rewards Mastercard Credit report your account activity to credit bureaus?

Yes, First Technology FCU Platinum Rewards Mastercard Credit reports to the following credit bureaus:

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 build your credit.

Does First Tech Federal Credit Union perform a hard credit pull?

Yes, First Tech Platinum Rewards Mastercard Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for First Tech Platinum Rewards Mastercard Card

Visit the website of First Tech Platinum Rewards Mastercard Card.
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2702 Orchard Pkwy

San Jose, CA 95134

Visit Site

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 6:00PM

Saturday

10:00AM - 1:00PM

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Balance Transfer APR

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Credit Score Range

640 - 850

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Credit Score Range

680 - 850

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First Technology FCU Platinum Mastercard Credit Card

Rating not yet determined

Be the first to rate

Purchase APR

9.99% - 18%

Disclaimer popup with additional information

Balance Transfer APR

9.99% - 18%

Disclaimer popup with additional information

Credit Score Range

600 - 850

300

850

Annual Fee

Visit Site

First Technology FCU Platinum Secured Mastercard

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Purchase APR

12% - 18%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

500 - 850

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.