
1st Technology FCU Platinum Rewards Mastercard Credit
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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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of First Tech Platinum Rewards Mastercard Card
The Good | The Bad |
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First Tech Platinum Rewards Mastercard Card FAQ
Does First Tech Platinum Rewards Mastercard Card have a cash back or rewards program?
First Tech Platinum Rewards Mastercard Card is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | 1x |
Annual rewards limit | N/A |
Signup Bonus ($) | 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.
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:
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.
Contact
- Headquarters
-
2702 Orchard Pkwy
San Jose, CA 95134 USA - Visit Site
Other Services by First Tech Federal Credit Union
Availability
- 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 |
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