First Technology FCU Platinum Secured Mastercard

First Technology FCU Platinum Secured Mastercard Review

This is a secured credit card 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

• Competitive APRs. First Technology FCU Platinum Secured Mastercard has a variable 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 qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of First Technology FCU Platinum Secured Mastercard

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Travel assistance insurance Trip cancellation insurance. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. First Technology FCU Platinum Secured Mastercard reports to multiple credit bureaus.	Does not offer a signup bonus.

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.

First Technology FCU Platinum Secured Mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the First Technology FCU Platinum Secured Mastercard benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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%. It also has a variable cash advance APR that ranges from 13% up to 18%.

What are the fees for First Technology FCU Platinum Secured Mastercard?

The following fees apply:

First Technology FCU Platinum Secured Mastercard 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 Technology FCU Platinum Secured Mastercard report your account activity to credit bureaus?

Yes, First Technology FCU Platinum Secured Mastercard 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 Technology FCU Platinum Secured Mastercard

• Visit the First Technology FCU Platinum Secured Mastercard 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.