First Tech Federal Credit Union Credit Cards

47 Reviews

855-855-8805

First Tech Federal Credit Union Login Page

Ad Disclosure

Compare First Tech Federal Credit Union Credit Cards

Please find below credit cards offered by First Tech Federal Credit Union.

First Tech Choice Rewards World Mastercard®

Apply Now

Purchase Intro APRNot Offered

Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0

Regular APR12.00% - 18.00% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 12 billing cycles|Transfer Fee: $0

Regular APR

12.00% - 18.00% (V)

annual fee

rewards rate

1 - 2 points / $1

Bonus Offer

20,000 points

Bonus Offer

20,000 points

minimum credit

Fair Credit

Apply Now

Show Details

Pros

No membership fees
0% intro APR on balance transfers
No balance transfer fee
High rewards rate

Cons

No intro APR on purchases

Rewards Details

20,000 bonus points when you spend at least $3,000 in the first 60 days*
2x rewards points on everyday purchases, including gas, groceries, household goods, and more. 1x rewards points on everything else.**
Cash-back rewards, as well as travel, merchandise, gift card and event/experience redemption options.
*To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus.
**Certain terms, conditions and exclusions apply. First Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points.

Additional Info

0.00% APR, no-fee balance transfers for 12 billing cycles for the first 90 days***
$0 Annual Fee. No balance transfer fees. No cash advance fees. No foreign transaction fees.
***APR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
More Details & Reviews About First Tech Choice Rewards World Mastercard®

Show Details

First Tech Federal Credit Union Platinum Mastercard®

Purchase Intro APRNot Offered

Transfer Intro APR0% for 12 months|Transfer Fee: $0

Regular APR10.74% - 18% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 12 months|Transfer Fee: $0

Regular APR

10.74% - 18% (V)

annual fee

rewards rate

None

minimum credit

Excellent Credit

Show Details

Pros

No membership fees
0% intro APR on balance transfers
No balance transfer fee
No foreign fee

Cons

No rewards
No initial rewards bonus
No intro APR on purchases
Requires excellent credit

Additional Info

0% Intro APR on balance transfers requested within 90 days of account opening.
Identity Theft Resolution Services, Mastercard Global Service, and Purchase Assurance.
More Details & Reviews About First Tech Federal Credit Union Platinum Mastercard®

Show Details

First Tech Federal Credit Union Platinum Rewards Mastercard®

Purchase Intro APRNot Offered

Transfer Intro APR0% for 12 months|Transfer Fee: $0

Regular APR11.74% - 18% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 12 months|Transfer Fee: $0

Regular APR

11.74% - 18% (V)

annual fee

rewards rate

1 point / $1

Bonus Offer

10,000 points

Bonus Offer

10,000 points

minimum credit

Excellent Credit

Show Details

Pros

No membership fees
0% intro APR on balance transfers
No balance transfer fee
10,000 points initial rewards bonus

Cons

No intro APR on purchases
Requires excellent credit

Rewards Details

Earn 10,000 Rewards Points when you spend $2,000 in the first 60 days of account opening.
Earn 1 point for every dollar spent on everyday purchases.
Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards.
No points maximum and your points never expire.

Additional Info

0% Intro APR on balance transfers requested within 90 days of account opening.
Purchase Assurance, Mastercard ID Theft Protection™ and Mastercard Global Service™.
More Details & Reviews About First Tech Federal Credit Union Platinum Rewards Mastercard®

Show Details

First Tech Federal Credit Union Platinum Secured Mastercard®

first tech federal credit union secured credit card

Secured Credit CardMin Deposit of $500

One-Time Fees$0

Regular APR12.75% - 18% (V)

Secured Card

Min Deposit of $500

One-Time Fees

Regular APR

12.75% - 18% (V)

annual fee

monthly fee

rewards rate

1 point / $1

minimum credit

Bad Credit

Show Details

Pros

No membership fees
No foreign fee
Qualify with bad credit

Cons

Requires security deposit

Rewards Details

Earn 1 rewards point for every dollar spent on your everyday purchases.
Use your Rewards Points for travel, merchandise, gift cards and more.
No points maximum and your points never expire.

Additional Info

Purchase Assurance - When an item you bought with your covered card is damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits under this coverage.
Mastercard Global Service™ - Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.
Mastercard ID Theft Protection™ - Theft resolution services, should you believe you are a victim of identity theft.
More Details & Reviews About First Tech Federal Credit Union Platinum Secured Mastercard®

Show Details

First Tech Federal Credit Union Credit Card Reviews

3.2

What's Your Rating?

ah4u
September 20, 2022 • @ah4u

This credit union has absolutely LUDICROUS password requirements to sign up for and use the online banking portal - you will be forever wasting time with new password re-sets! For your sanity, stay away!

Product: First Tech Federal Credit Union Credit Cards

Comment

scott
September 1, 2022 • @scottholtsclaw2

Verified Customer

Always love the spirit of Staff ! Manager & Her crew are Top Tier caring individuals who smile & treat me like Family ! Thank You all so very much ! I appreciate them all these years of being a member ! Great Service - dedication ❤️

Product: First Tech Federal Credit Union Credit Cards

Comment

amstern1
August 26, 2022 • @amstern1

We have excellent credit and were immediately emailed that we were approved contingent on our salary verification. It's been two weeks and we still have not been given final confirmation.

Product: First Tech Choice Rewards World Mastercard®

Comment

Danielbass738
May 27, 2022 • @Danielbass738

Absolutely horrible customer service. i Have a credit card with them and every time I go to make a payment they hold my funds for 5 business days. They claim this is required because funds are coming from an account outside of their organization. Funny how Ame, cit, and every other credit card issuer can do it.

Product: First Tech Federal Credit Union Credit Cards

Comment

concernedpatron
April 11, 2022 • @concernedpatron

AVOID: You may as well bank with BoA or Chase since the Addison Ave. merger - they behave worse than either of them. Not only did they almost screw us out of our house a few years back (long story, but pulled plug 3 weeks before closing and left us in a lurch. Thankfully our realtor knew another broker that not only got us a better rate, but pulled through and got us closed on time), but their Credit Card review process is comical - just got another letter today for their Annual "we're raising your credit card rate" because they do an annual review in JANUARY and if your score goes down even a little they jack up the interest rate due to "high balances" (seriously, still an 800, who's credit cards don't get used around the holidays) .. they won't review or even take anything into consideration when you can see all balances paid off that same month.. 3 years straight they've done this, thankfully i've already pulled all our main accounts over to BECU who beats them by light years. Only thing keeping any accounts open there is the lack of yearly fees (and laziness.)

Product: First Tech Federal Credit Union Credit Cards

Comment

Fuck No
July 24, 2021 • @hisbeloved108

they took me to court, saying I didn't want to make payment or reach agreements for my debt! I have a sworn statement from First Tech Stating I didn't want to make agreements. I never said to them I wouldn't pay the debt for 1, second I tried reaching a payment agreement they just wanted me to pay a ridiculous amount a month which I told them I couldn't afford, so they charged me with fees to reach my debt to 10,000.00 plus so they could hire a lawyer and try put a lean against my house, not my car ( I have a loan with them, which they did reach agreements to make smaller payments, but they didn't come to terms of agreement for my Credit card as much as I tried! STAY AWAY FROM THESE PEOPLE THEY WILL SCREW YOU OVER! This is far from over, I we will see them at court! I am ready!

Product: First Tech Federal Credit Union Credit Cards

Comment

csp11ceo
June 30, 2021 • @csp11ceo

If I could give a negative 5 star I would! This institution is has no respect for their customers. They have outrageously horrible customer service. During the COVID-19 pandemic they basically took advantage of my distressed financial situation just to make a profit. I'm a military vet and I currently serve as a government employee. I am very disappointed. I plan to contact the president/ceo about this occurrence. *** I advise**** Please don't do business with this banking institution...

Product: First Tech Federal Credit Union Credit Cards

Comment

Anthony N
April 7, 2021 • @anthonyn_82

Verified Customer

I love this credit union, the only thing I can suggest is make it earlier to make payments from external accounts, currently, you have to send funds to your internal account

Product: First Tech Federal Credit Union Credit Cards

Comment

Randall
March 5, 2021 • @earthtrek

Verified Customer

For a 0% transfer fee, and 0% interest for 12 months, you can't beat this off to consolidate debt. Transfer of credit card debt was simple and quick. This was the right offer at the right time for me!

Product: First Tech Federal Credit Union Platinum Rewards Mastercard®

Comment

pathy5581
December 16, 2020 • @pathy5581

Really want to give 0 star if possible, Everyone on the phone is so rude, one of the ladies just ended the phone, I don't know how it can be possible, trust me don't go with this company, horrible customer service

Product: First Tech Federal Credit Union Credit Cards

Comment

Review First Tech Federal Credit Union Credit Cards

First Tech Federal Credit Union Credit Card Q&A

Get answers to your questions about First Tech Federal Credit Union Credit Cards below. For more general questions, visit our Answers section.

Will the First Tech Credit Union Platinum credit card help me build credit?

Upvotes

Mac Finnegan

The First Tech Credit Union Platinum credit card will help you build credit.

It's a secured card which requires a refundable security deposit upon account opening. This deposit will also serve as your credit limit, not allowing you to spend more than you can actually afford.

First Tech Credit Union's Platinum card also reports your financial activity to the major credit bureaus TransUnion, Experian and Equifax on a monthly basis. So with some responsible credit utilization it could easily help you build your credit.

What's the starting credit limit for the First Tech Federal Credit Union Platinum Secured card?

Upvotes

Valerie Phillips

The starting credit limit for the First Tech Federal Credit Union Platinum Secured card is $500. You will have to make a security deposit for this amount, which will be refunded to you upon closing your account.

On the other hand, this card has the highest credit limit allowed for a secured card: $25,000.

Whenever you want to increase your credit limit, you can submit a request online for another payment which will be added to your existing security deposit.

How do I get a First Tech Union Platinum credit limit increase?

Upvotes

Peter Renteria

You can request a First Tech Union Platinum credit limit increase by submitting an application online.

Does the First Tech Choice Rewards World Mastercard do a hard pull?

Upvote

John Miller, Credit Cards Moderator

Yes, the First Tech Choice Rewards card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.

The First Tech Choice Rewards card is meant for people with fair credit or better. You can check your credit score by signing up for a free WalletHub account. You'll have access to free credit scores and free credit reports, both updated daily.

How can I qualify for First Tech Federal Credit Union Platinum Secured card graduation?

Upvote

Evelyn Boros, Credit Cards Moderator

Unfortunately, you cannot qualify for First Tech Federal Credit Union Platinum Secured Mastercard® graduation. If your credit score has improved and you'd like a card that you don't need a security deposit for, you'd have to apply separately. Call First Tech FCU's customer service at (855) 855-8805 to talk about which unsecured credit cards you qualify for.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.