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  1st Technology FCU Platinum Mastercard Credit
1st Technology FCU Platinum Mastercard Credit Unaffiliated

1st Technology FCU Platinum Mastercard Credit

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Highlights
Purchase APR 7.99% - 18%
Balance Transfer APR 7.99% - 18%
Credit Score Range 650 - 850
Annual Fee $0

1st Technology FCU Platinum Mastercard Credit Review

This is a credit card issued by First Technology Federal Credit Union. If you're wondering whether 1st Technology FCU Platinum Mastercard Credit 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.

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.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $2,000 within 2 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. 1st Technology FCU Platinum Mastercard Credit has a variable purchase APR that ranges from 7.99% 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of 1st Technology FCU Platinum Mastercard Credit
The Good The Bad
  • Potentially 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.
  • No foreign transaction fee.
  • 1st Technology FCU Platinum Mastercard Credit reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Rewards bonus rate of only 1% on most everyday purchases. Terms apply*.
  • You don't earn rewards on every purchase.
1st Technology FCU Platinum Mastercard Credit FAQ

Does 1st Technology FCU Platinum Mastercard Credit have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the 1st Technology FCU Platinum Mastercard Credit benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for 1st Technology FCU Platinum Mastercard Credit?

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.

1st Technology FCU Platinum Mastercard Credit has a variable purchase APR that ranges from 7.99% up to 18%. The card has a variable balance transfer APR that ranges from 7.99% up to 18%. It also has a variable cash advance APR that ranges from 8.99% up to 18%.

Does 1st Technology FCU Platinum Mastercard Credit 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.

1st Technology FCU Platinum Mastercard Credit Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 7.99% - 18%
Balance Transfer Fee % 0%

Does 1st Technology FCU Platinum Mastercard Credit 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 1st Technology FCU Platinum Mastercard Credit?

The following fees apply:

1st Technology FCU Platinum Mastercard Credit 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 1st Technology FCU Platinum Mastercard Credit 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 support contact email for 1st Technology FCU Platinum Mastercard Credit?

The support contact email for 1st Technology FCU Platinum Mastercard Credit is memberservice@firsttechfed.com.

What is the 1st Technology FCU Platinum Mastercard Credit login page?

You can access the 1st Technology FCU Platinum Mastercard Credit login page here.

How do people rate the customer service and user experience of 1st Technology FCU Platinum Mastercard Credit?

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

Does 1st Technology FCU Platinum Mastercard Credit report your account activity to credit bureaus?

Yes, 1st Technology FCU Platinum Mastercard Credit reports your account activity to the following credit reporting agencies:

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 1st Technology FCU Platinum Mastercard Credit

  • Visit the 1st Technology FCU Platinum Mastercard Credit 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
  • Concierge
  • Airport Lounge Access
Rewards Categories
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR 8.99% - 18%
Balance Computation “average daily balance” (excluding new purchases).
Purchase APR 7.99% - 18%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 7.99% - 18%
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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