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  First Technology FCU Platinum Secured Mastercard

First Technology FCU Platinum Secured Mastercard

in Personal Credit Cards from First Technology Federal Credit Union

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First Technology FCU Platinum Secured Mastercard

Unaffiliated

in Personal Credit Cards from First Technology Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9% - 18%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 850
Annual Fee $0

First Technology FCU Platinum Secured Mastercard Review

First Technology FCU Platinum Secured Mastercard is a secured credit card rewards credit card issued by First Technology Federal Credit Union. If you're wondering whether First Technology FCU Platinum Secured Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. First Technology FCU Platinum Secured Mastercard has a variable purchase APR that ranges from 9% 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 good approval odds.
First Technology FCU Platinum Secured Mastercard Pros & Cons
The Good The Bad
  • 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 or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere First Technology FCU Platinum Secured Mastercard is accepted.
  • First Technology FCU Platinum Secured Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
First Technology FCU Platinum Secured Mastercard FAQ

Is there a First Technology FCU Platinum Secured Mastercard cash back or rewards program?

First Technology FCU Platinum Secured Mastercard offers a rewards program to its customers.

First Technology FCU Platinum Secured Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does First Technology FCU Platinum Secured Mastercard have a signup bonus?

First Technology FCU Platinum Secured Mastercard doesn't offer a cash signup bonus.

Does First Technology FCU Platinum Secured Mastercard offer an annual loyalty bonus?

First Technology FCU Platinum Secured Mastercard 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Technology FCU Platinum Secured Mastercard has lower than average purchase APRs.

First Technology FCU Platinum Secured Mastercard has a variable purchase APR that ranges from 9% up to 18%. It also has a variable cash advance APR that ranges from 10% up to 18%.

Does First Technology FCU Platinum Secured Mastercard have an introductory APR offer on balance transfers?

No, First Technology FCU Platinum Secured Mastercard does not come with an introductory APR offer for balance transfers.

Does First Technology FCU Platinum Secured Mastercard have an introductory APR offer on new purchases?

First Technology FCU Platinum Secured Mastercard does not offer an introductory rate on new purchases.

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

The following fees apply to First Technology FCU Platinum Secured Mastercard:

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

Does First Technology FCU Platinum Secured Mastercard have a foreign transaction fee?

First Technology FCU Platinum Secured Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   19960 Stevens Creek Boulevard
    Cupertino, CA 95014
  •   Visit Site

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

Other Services by First Technology Federal Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1
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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 10% - 18%
Balance Computation “average daily balance” (excluding new purchases).
Purchase APR (Variable APR) 9% - 18%
Card Type
  • Rewards
  • Secured
Card Network Mastercard

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