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First Tech Platinum Mastercard®

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This card should have no-fee in the name because there’s no annual, balance transfer, cash advance, or foreign transaction fee. You won’t earn rewards or statement credits, but you will get a nice selection of basic Mastercard shopping and travel benefits.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 6.99%–18.00% Variable
Intro Balance Transfer APR: 0% for 12 billing cycles

First Tech Platinum Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 12 billing cycles
Regular Balance Transfer APR 6.99%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $25
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 7.99%–18.00% Variable
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • Purchase Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Baggage Delay Insurance
  • Travel Accident Insurance
First Tech Platinum Mastercard®


  • 0% introductory rate on balance transfers for 12 billing cycles, after which your rate will be 6.99%–18.00% Variable
  • Purchase Assurance
  • Mastercard Concierge
  • MasterRental Coverage
  • No foreign transaction fee
  • No balance transfer fee
  • Annual fee: $0

First Tech Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


This card from First Tech is a good option for balance transfer — you won’t have to worry about transfer fees because there isn’t one, and you’ll get a 0% introductory rate on balance transfers for 12 billing cycles, after which your rate will be 6.99%–18.00% Variable.

You’ll get a nice selection of Mastercard benefits like Mastercard Global Service, a Concierge, Lost or Damaged Luggage Protection, Travel Accident Protection, and a few more.

This card is rather basic, but there are no annual, foreign transaction, or cash advance fees.

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