First Tech The Platinum Rewards Mastercard®
First Tech Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Tech Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The First Tech The Platinum Rewards Mastercard® from First Tech Federal Credit Union earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 10,000 bonus points when you spend at least $2,000 in the first 60 days of your new card.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the First Tech The Platinum Rewards Mastercard earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Tech The Platinum Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how First Tech The Platinum Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values First Tech points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the First Tech The Platinum Rewards Mastercard?
The First Tech The Platinum Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
First Tech The Platinum Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- First Tech points value depends on how you redeem, not straight cash back.
What is the First Tech The Platinum Rewards Mastercard welcome bonus?
In Madeen's catalog snapshot, the First Tech The Platinum Rewards Mastercard welcome offer is Earn 10,000 bonus points when you spend at least $2,000 in the first 60 days of your new card. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 10k First Tech points (~$100 estimated)
- Terms (catalog snapshot)
- Earn 10,000 bonus points when you spend at least $2,000 in the first 60 days of your new card
- Minimum spend
- $2,000
- Window
- 60Days
Does the First Tech The Platinum Rewards Mastercard have an annual fee?
The First Tech The Platinum Rewards Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the First Tech The Platinum Rewards Mastercard?
The First Tech The Platinum Rewards Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the First Tech The Platinum Rewards Mastercard
Does the First Tech The Platinum Rewards Mastercard have an annual fee?
The First Tech The Platinum Rewards Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the First Tech The Platinum Rewards Mastercard?
Dining is the strongest Madeen category for the First Tech The Platinum Rewards Mastercard at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the First Tech The Platinum Rewards Mastercard charge foreign transaction fees?
The First Tech The Platinum Rewards Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the First Tech The Platinum Rewards Mastercard welcome bonus?
The First Tech The Platinum Rewards Mastercard welcome offer in our snapshot: Earn 10,000 bonus points when you spend at least $2,000 in the first 60 days of your new card. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the First Tech The Platinum Rewards Mastercard?
Madeen's catalog lists a typical credit range of Good for the First Tech The Platinum Rewards Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the First Tech The Platinum Rewards Mastercard?
Rewards on the First Tech The Platinum Rewards Mastercard post as First Tech points. Redemption value depends on how you use First Tech points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the First Tech The Platinum Rewards Mastercard compare to similar cards?
Compare the First Tech The Platinum Rewards Mastercard against Odyssey Rewards™ World Elite Mastercard (2% on Dining, $75 fee); First Tech The Platinum Mastercard (0% on Dining, $0 fee); Choice Rewards World Mastercard (2% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
First Tech The Platinum Rewards Mastercard This card | Dining | 1% | $0 |
First Tech Federal Credit Union | Dining | 2% | $75 |
First Tech Federal Credit Union | Dining | 0% | $0 |
First Tech Federal Credit Union | Grocery | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
First Tech Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Tech Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure