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First Technology Federal Credit Union Platinum Rewards MasterCard® review

Save money on fees, earn rewards on purchases and get a potentially low APR.

  • Get this card if you want to earn rewards on purchases and save money on fees.
  • Pick something else if you want an intro APR period on purchases.
  • Apply with a fair credit score of 630 or higher. Note that chances of approval are higher with a higher credit score.

1x points on all purchases

Rewards

$0

Annual fee

7.99% to 18% variable

Purchase APR

630

Minimum Credit Score

Details

Annual fee$0
Welcome offer10,000 points after spending $2,000 in the first 60 days
Rewards1x points on all purchases
Purchase APR7.99% to 18% variable
Balance transfer APR0% intro for the first 12 billing cycles (then 7.99% to 18% variable)
Minimum Credit Score630
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Review by


Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The First Technology Federal Credit Union Platinum Rewards MasterCard® comes with a few benefits that might strike your fancy. For example, it offers an unlimited rewards rate on all purchases, an intro APR period on balance transfers and it waives common fees such as annual and cash advance fees. It also comes with a potentially low APR.

How to apply for the First Technology Federal Credit Union Platinum Rewards MasterCard®

  1. Visit the First Technology Federal Credit Union website and locate the card.
  2. Select Apply.
  3. Log in if you already have an account or proceed to fill out the application form.
  4. Review the form and submit.

What credit score do I need?

You need at least a fair credit score of 630 or higher.

First Tech Platinum Rewards credit card

Card benefits

  • Reward points. Earn 1x points on all of your purchases — an underwhelming rewards rate considering the industry standard is 1.5x points.
  • Intro APR period on balance transfers. Get 12 billing cycles of 0% intro APR period on balance transfers made within the first 90 days of card membership. After that, a variable APR of 7.99% to 18% applies.
  • Potentially low APR. Your APR depends on several factors including your creditworthiness, but with this card, your APR will vary between 7.99% to 18%, which is relatively low.
  • No fees. You won’t pay an annual fee, balance transfer fee, cash advance fee or foreign transaction fee.

What to watch out for

  • No intro APR period on purchases. Despite having relatively a low APR, that’s still not as low as a 0% intro APR offered by some other credit cards.

Compare rewards credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
$95
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
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Compare up to 4 providers

Bottom line

The First Technology Federal Credit Union Platinum Rewards MasterCard® could be worth considering if you’re looking for a rewards credit card with a long intro APR period on balance transfers. It also has no fees on balance transfers, cash advances and foreign transactions.

But if you want a higher rewards rate on your purchases or an intro APR period on purchases, compare other credit cards to review your options.

Frequently asked questions

How do I become a First Technology FCU member?
To become a member, you need to:

  • Work for a high tech or telecom sponsor company, work for the State of Oregon or in Lane County, Oregon.
  • Live in Lane County Oregon.
  • Be a member of the Computer History Museum, a family member of a First Tech member or a member of the Financial Fitness Association.

If you don’t fall into any of the categories, you can join the Financial Fitness Association for an $8 annual fee.

What can I redeem my reward points for?
Redeem points for travel, merchandise and charity donations.

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