First Tech Federal Credit Union

First Tech Platinum Secured Mastercard

Secured credit cards

A secured rewards card with no annual or foreign transaction fee and a refundable security deposit. Earn one point per dollar spent. First Tech membership and credit approval apply; purchase APR varies with creditworthiness and the prime rate.

Pros

  • No annual, foreign transaction, balance-transfer or cash-advance fee.
  • One rewards point per dollar on everyday purchases.
  • Refundable security deposit.

Cons

  • Confirm the required deposit and newcomer identity documents before applying.
  • Credit union membership and credit approval are required.
  • Published purchase APR is as low as 12.75%, not to exceed 18.00%, checked 3 November 2026. Confirm your offer.
  • Account must be in good standing to redeem points.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Membership, credit approval and a refundable security deposit are required. Confirm deposit amount and acceptable newcomer documents with First Tech.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 0 (currency not confirmed)
Security deposit Not confirmed
Purchase APR Not confirmed
Foreign currency fee 0%
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Official terms

Checked 3 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Not confirmed
  • ITIN / alternative ID: Not confirmed
Credit check

Not confirmed — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: Not confirmed
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 3 Nov 2026. Details are based on the provider’s published materials at that time.

Read official terms ↗

This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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