First Tech Federal Platinum Mastercard
First Tech Federal Credit Union · No Annual Fee review
Balance carriers who can join First Tech — membership is open to employees of 1,700+ tech and innovation companies (Amaz
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
10.49% – 18.00% variable
Variable — verify the current range at the issuer
Balance transfer fee
None
Per transferred balance
As of July 8, 2026
Best for
Balance carriers who can join First Tech — membership is open to employees of 1,700+ tech and innovation companies (Amazon, Microsoft, Intel, Google, HP, Cisco, and more) plus participating communities — and want a low-rate card with no annual fee, no balance transfer fee, and a federally capped 18.00% APR ceiling. The variable range runs 10.49%–18.00%.
Not for
Anyone who can't meet First Tech's membership eligibility and rewards-seekers — this is a pure low-rate card with no points or cash back.
The catch
The balance transfer APR is the same as the purchase APR (no separate promo rate), and the 10.49% floor sits just above Navy Federal Platinum's 10.24%. The advantage is much broader membership eligibility than a military-affiliated credit union, and no BT fee to move debt over.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 10.49% – 18.00% variable
- Balance transfer fee
- None
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the First Tech Federal Platinum Mastercard charge an annual fee?
No. The First Tech Federal Platinum Mastercard carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the First Tech Federal Platinum Mastercard charge?
10.49% – 18.00% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the First Tech Federal Platinum Mastercard best for?
Balance carriers who can join First Tech — membership is open to employees of 1,700+ tech and innovation companies (Amazon, Microsoft, Intel, Google, HP, Cisco, and more) plus participating communities — and want a low-rate card with no annual fee, no balance transfer fee, and a federally capped 18.00% APR ceiling. The variable range runs 10.49%–18.00%.
Who should skip the First Tech Federal Platinum Mastercard?
Anyone who can't meet First Tech's membership eligibility and rewards-seekers — this is a pure low-rate card with no points or cash back.
How did ClearValue score the First Tech Federal Platinum Mastercard?
First Tech Federal Platinum Mastercard scored 76/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
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