SuperMoney
  1st Technology FCU Platinum Rewards Mastercard Credit
1st Technology FCU Platinum Rewards Mastercard Credit Claimed

1st Technology FCU Platinum Rewards Mastercard Credit

Claimed
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 21 reviews
Highlights
Purchase APR  (Variable APR) 10.99% - 18%
(Verified 11/24/2022)
Balance Transfer APR  (Variable APR) 10.99% - 18%
(Verified 11/24/2022)
Credit Score Range 650 - 850
Annual Fee $0

1st 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 Tech Platinum Rewards Mastercard 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.
  • 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 Rewards Mastercard Credit has a variable purchase APR that ranges from 10.99% 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 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 650.

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 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.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • 1st Technology FCU Platinum Rewards Mastercard Credit reports to multiple credit bureaus.
  • Rewards bonus rate of only 1% on most everyday 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
Rewards rate (all purchases) N/A
Max rewards rate 1x
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 2 months

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 after spending $2000 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?

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 Tech Platinum Rewards Mastercard 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.

1st Technology FCU Platinum Rewards Mastercard Credit has a variable purchase APR that ranges from 10.99% up to 18%. The card has a variable balance transfer APR that ranges from 10.99% up to 18%. It also has a variable cash advance APR that ranges from 11.99% 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 up to 12 months.

1st Technology FCU Platinum Rewards Mastercard Credit Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.99% - 18%
Balance Transfer Fee % 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?

The following fees apply:

First Tech Platinum Rewards Mastercard 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 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.

What is the customer service phone number for First Tech Platinum Rewards Mastercard Card?

The First Tech Platinum Rewards Mastercard Card customer service number is .

What is the First Tech Platinum Rewards Mastercard Card login page?

You can access the First Tech Platinum Rewards Mastercard Card login page here.

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

Yes, 1st Technology FCU Platinum Rewards Mastercard Credit 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 Tech Platinum Rewards Mastercard Card

  • Visit the First Tech Platinum Rewards Mastercard 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.

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.
  • 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
Customer Type Personal
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
No Reward Expiration Period
Rewards Categories
  • 1x Point on Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 11.99% - 18%
APR Type Variable APR
Balance Computation “average daily balance” (excluding new purchases).
Purchase APR (Variable APR) 10.99% - 18%
(Verified 11/24/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.99% - 18%
(Verified 11/24/2022)
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

Be the first to rate

 

Would you recommend 1st Technology FCU Platinum Rewards Mastercard Credit to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

First Tech Federal Credit Union Credit Cards

Loading...