Last Updated: 07/28/2025
First Technology FCU Platinum Secured Mastercard
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
500 - 850
Annual Fee
$0
First Technology FCU Platinum Secured Mastercard Review
This is a secured credit rewards card issued by First Tech Federal Credit Union. If you're wondering whether First Technology FCU Platinum Secured Mastercard is the right card for you, read on.
Key Takeaways
- APRs: First Technology FCU Platinum Secured Mastercard has a variable regular purchase APR that ranges from 12% 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.
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, purchase security, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of First Technology FCU Platinum Secured Mastercard
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First Technology FCU Platinum Secured Mastercard FAQ
Does First Technology FCU Platinum Secured Mastercard have a cash back or rewards program?
First Technology FCU Platinum Secured Mastercard is a rewards card.
| Description |
Does First Technology FCU Platinum Secured Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Technology FCU Platinum Secured Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Technology FCU Platinum Secured Mastercard benefits?
First Technology FCU Platinum Secured Mastercard provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for First Technology FCU Platinum Secured Mastercard?
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 Secured Mastercard has a variable purchase APR that ranges from 12% up to 18%. First Technology FCU Platinum Secured Mastercard does not offer balance transfers. It also has a variable cash advance APR that ranges from 13% up to 18%.
Does First Technology FCU Platinum Secured Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. First Technology FCU Platinum Secured Mastercard does not offer balance transfers.Does First Technology FCU Platinum Secured Mastercard 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 Technology FCU Platinum Secured Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 Technology FCU Platinum Secured Mastercard 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 Technology FCU Platinum Secured Mastercard?
The customer service number for First Technology FCU Platinum Secured Mastercard is .
What is the login page for First Technology FCU Platinum Secured Mastercard?
You can access the login page of First Technology FCU Platinum Secured Mastercard here.
How do people rate the customer service and user experience of First Technology FCU Platinum Secured Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Technology FCU Platinum Secured Mastercard report your account activity to credit bureaus?
Yes, First Technology FCU Platinum Secured Mastercard 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 Technology FCU Platinum Secured Mastercard 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 Technology FCU Platinum Secured Mastercard
- Visit the website of First Technology FCU Platinum Secured Mastercard.
- 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.
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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