1st Technology FCU Platinum Mastercard Credit

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.

• 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.

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.

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%.

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 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.