
First Technology FCU Platinum Secured Mastercard
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Purchase APR (Variable APR) |
12% - 18% (Verified 11/25/2022) |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 500 - 850 |
Annual Fee | $0 |
First Technology FCU Platinum Secured Mastercard Review
This is a secured credit card rewards card issued by First Tech Federal Credit Union. If you're wondering whether First Technology FCU Platinum Secured Mastercard is the right card for you, read on.
Key Takeaways
- Competitive APRs. First Technology FCU Platinum Secured Mastercard has a variable purchase APR that ranges from 12% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of First Technology FCU Platinum Secured Mastercard
The Good | The Bad |
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First Technology FCU Platinum Secured Mastercard FAQ
Does First Technology FCU Platinum Secured Mastercard have a cash back or rewards program?
First Technology FCU Platinum Secured Mastercard is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
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?
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%.
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.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?
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 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 First Technology FCU Platinum Secured Mastercard customer service number is .
What is the First Technology FCU Platinum Secured Mastercard login page?
You can access the First Technology FCU Platinum Secured Mastercard login page 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 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.
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 (%) | 0% |
Minimum 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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