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

Not Offered
0% for 12 billing cycles|Transfer Fee: $0
12.75% - 18.00% (V)
annual fee
$0
rewards rate
1 - 2 points / $1
Bonus Offer
20,000 points
Bonus Offer
20,000 points
Fair Credit
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®

Not Offered
0% for 12 months|Transfer Fee: $0
11.24% - 18% (V)
annual fee
$0
rewards rate
None
Excellent Credit
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®

Not Offered
0% for 12 months|Transfer Fee: $0
12.49% - 18% (V)
annual fee
$0
rewards rate
1 point / $1
Bonus Offer
10,000 points
Bonus Offer
10,000 points
Excellent Credit
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®

Secured Card
Min Deposit of $500
One-Time Fees
$0
13.25% - 18% (V)
annual fee
$0
monthly fee
$0
rewards rate
1 point / $1
Bad Credit
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®
First Tech Federal Credit Union Credit Card Reviews
What's Your Rating?
I called and spoke with representatives on the phone in advance of making a credit card application as I was concerned about eligibility requirements for membership. They told me I could join and would be eligible by signing up for a membership with the computer history museum.
After filing the application, their systems were not working, and I had no idea what the status of my application was. I had to call to find out what happened with the application, and spoke to someone at a call center that obviously does not work for this institution.
I then received multiple emails, one saying my credit card application was approved and another saying that my application to the CU was denied because: "We are unable to validate the information provided".
After 20+ minutes on the phone and a transfer from one department to another, they were unable to explain why the application was not accepted. After requesting an escalation to a manager, the second representative I spoke with said his manager was in a meeting and would call me back in an hour. That did not happen.
This is easily the worst experience I have ever had with a financial institution.
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.
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Will the First Tech Credit Union Platinum credit card help me build credit?
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?
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.
Does the First Tech Choice Rewards World Mastercard do a hard pull?
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 do I get a First Tech Union Platinum credit limit increase?
How can I qualify for First Tech Federal Credit Union Platinum Secured card graduation?
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.
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