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Earn a 10,000 Rewards Points bonus after making purchases totaling $2,000 within 60 days of account opening with a new First Tech Platinum Rewards Mastercard®. Rewards Points will be awarded on the second statement following qualification for the bonus.
Update 1/2/2023: Variable APR rates changed.
This card has no annual fee or balance transfer fee and earns rewards on every dollar spent.
Card Details
- Get rewarded for every purchase. Points never expire, and there’s no limit to how many you can earn. Enjoy low, credit-union rates and no annual fee and no balance transfer fees.
- Interest Rate: Variable APR, 12.49% – 18.00% APR for purchases. 13.49% – 18.00% APR for cash advances. APRs listed accurate as of March 1, 2023. Visit firsttechfed.com/rates/credit-cards for current rates.
- Credit: Fair to Excellent
- 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening.
- 0.00% introductory APR for 12 billing cycles on balances transfers completed within 90 days of account opening. Standard purchase rate applies to unpaid transferred balances after the 12-billing cycle introductory period expires.
- Rewards: One (1) point for every $1 spent. No earnings maximum and points do not expire as long as account remains open and in good standing. Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, insurance.
- Rewards Redemption: travel, merchandise, events and activities, charitable donations, and gift cards
- Fees: No annual fee, no balance transfer fees, no foreign transaction fees, no cash advance fees
- Other Disclosures: Membership is required and subject to approval. Card approval is subject to First Tech lending policies.
Pros & Cons
Pros:
- No annual fee or balance transfer fee
- Rewards on every dollar spent with no limit on earnings
- 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening
- Rewards redemption options including travel, merchandise, events and activities, charitable donations, and gift cards
- No foreign transaction fees or cash advance fees
Cons:
- Membership is required and subject to approval
Bottom Line
Overall, the First Tech Platinum Rewards Mastercard is a solid choice for consumers looking for a rewards credit card without an annual fee or balance transfer fee. The 10,000 bonus reward points and introductory APR for balance transfers can be especially appealing to new cardholders.
However, it’s important to note that membership is required and subject to approval, so not everyone may qualify for this card.
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