First Tech Credit Union Visa Platinum Credit Card

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First Tech Credit Union Visa Platinum Credit CardIf you are looking for a basic, inexpensive, and dependable credit card, the First Tech Credit Union (FTCU) Visa Platinum Credit Card might be the perfect fit. With many cards offering rewards, bonuses, cash back, points and more, the First Tech Visa Platinum provides everything you need if you use your credit card for everyday purchases. With no annual fee, this card can offer you immediate savings if you pay your balance off each month.

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How to Save Money with the First Tech Credit Union Visa Platinum Card

Since the FTCU Visa Platinum does not charge an annual fee, you can use your credit card with no out-of-pocket expense. Simply make everyday purchases with your card, and when you receive your billing statement, pay the entire balance off before the due date.

However, be wary when making purchases at a business or store that requires you make a minimum purchase if you are using your FTCU credit card. Such a practice, according to the Better Business Bureau, is a violation of credit card terms.

You can also save a great deal of money if you are currently carrying a high balance on another one of your credit cards. The First Tech Visa Platinum offers a special introductory credit card interest rate on all balance transfers made within the first six months that the card is open. The rate is 3.99%, and is in effect for an entire year. Following those 12 months, the rate reverts back to the credit card default purchase rate.

Rates, Fees and Benefits Associated with the FTCU Visa Platinum Card

The FTCU Visa Platinum Card offers a regular purchase rate as low as 7.9%. This credit card interest rate depends on several factors including your credit history and credit score.

Additionally, the FTCU Visa card offers several benefits such as Visa Fraud Protection, complete travel accident insurance coverage, and car rental insurance coverage. If you have a checking account with FTCU, you can use your Visa Platinum Card as extra protection against overdraft.

To learn more, visit one of the two FTCU banking centers located in Cupertino, California or online through the FTCU website.

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