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  First Technology FCU Platinum Secured Mastercard
First Technology FCU Platinum Secured Mastercard Unaffiliated

First Technology FCU Platinum Secured Mastercard

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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

This 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 review will provide you with with all the details you need 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 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 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

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

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 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 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:

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 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 support contact email for First Technology FCU Platinum Secured Mastercard?

The support contact email for First Technology FCU Platinum Secured Mastercard is memberservice@firsttechfed.com.

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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Assistance
  • Concierge
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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