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First Tech Platinum Rewards Mastercard®

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This card comes with a decent selection of Mastercard travel and shopping benefits, along with a long 0% intro balance transfer rate. You won’t have to worry about an annual fee, balance transfer fee, or foreign transaction fee.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 7.99%–18.00% Variable
Intro Balance Transfer APR: 0% for 12 billing cycles

First Tech Platinum Rewards Mastercard®

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

Highlights & Features


Spending Rewards
  • 1X point per dollar spent on all purchases
Introductory Bonus
  • 10,000 bonus points for spending $2,000 in the first 60 days

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 7.99%–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 8.99%–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 Rewards Mastercard®


  • 0% introductory rate on balance transfers for 12 billing cycles, after which your rate will be 7.99%–18.00% Variable
  • 1X point per dollar spent on all purchases
  • Mastercard Concierge
  • Purchase Assurance
  • Lost or Damaged Luggage Protection
  • Trip Cancellation Coverage
  • No balance transfer fee
  • No foreign transaction 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


With this card you can take advantage of no balance transfer fees, and a 0% introductory rate on balance transfers for 12 billing cycles, after which your rate will be 7.99%–18.00% Variable.

Reward points will never expire and you can redeem for things like travel, charitable donations, merchandise, events, and activities.

You’ll get to enjoy benefits such as Purchase Assurance, MasterRental Coverage, Trip Cancellation Protection, Baggage Delay Insurance, and a few more that you can see in your Mastercard Guide to Benefits if you’re approved.

This card has no annual fee.

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