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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.
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Kliment Dukovski
Last Updated

10,000

Points as welcome offer

Up to 1x

Points

$0

Annual fee

7.99% to 18%

Purchase APR (variable)

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)
Recommended minimum credit score630
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Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. 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. Click 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
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $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 all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Apply now
View details
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Apply now
View details
TD Double Up℠ Credit Card
TD Double Up℠ Credit Card
$75 cash back in the form of a statement credit when you spend $500 within the first 90 days after account opening
Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account
$0
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Apply now
View details
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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.

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