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First Technology Federal Credit Union Platinum Rewards MasterCard® review

Kliment Dukovski
Kliment Dukovski
Last updated:  

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.

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

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards 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.

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
$300 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 all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Apply now
View details
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
Apply now
View details
Chase Freedom Unlimited®
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Apply now
View details
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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

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