This is going to be the home of all the data points and information we can possibly gather from all over the internet on First Tech Credit Union (FCU) credit cards. FCU is a very conservative credit union (this is actually quite common), however they offer some great cards and line of credit options. The site is a bit odd to navigate as it seems like they have things kinda hidden for certain cards/offers, but they do also offer a business debit and credit card even though its hard to find.

First Tech Credit Card Datapoints

• Hard pull Experian for membership (checking/savings accounts)
• Will deny you if you opened another checking account recently
• Pulls Chex Systems
• They ask for POI and may even pull all 3 bureaus, very sensitive to new accounts and overall credit amount NOT FICO, like 1x your income in credit is no go(paystub, W-2, SSN, CDL and a utility bill)
• Very conservative
• 1 HP per 30 days but best to not use it on 2-CC instead CC and LOC or loan product
• Must have GOOD credit score or higher for best rate/best card options
• Pre-approval isn’t very accurate again income to TCL is very important
• They requested POI to be sent as an attachment via email (not very secure)

Video: First Tech Credit Cards Review

First Tech Credit Union Consumer Credit Cards

	Credit Card	Sign up bonus (SUB)	Regular APR	Cashback	Annual Fee	Credit Limits	Datapoints
	Odyssey Rewards World Elite Mastercard	0.00% introductory APR for the first 12 billing statements	6.99% to 18.00% BT 6.99% to 18.00%	Earn 3 points on travel Earn 2 points on dining Earn 1 point on all other purchases	1st year free, then $75	$25,000 / $100,000
	Choice Rewards World Mastercard	0.00% introductory APR for the first 12 billing statements	8.25% to 18.00% BT 8.25% to 18.00%	Earn 2 points on gas, grocery, household goods, electronics and telecom purchases Earn 1 point on all other purchases	$0	$10,000 / $35,000	742 FICO $10k limit
	Platinum Rewards Mastercard	0.00% introductory APR for the first 12 billing statements	7.99% to 18.00% BT 7.99% to 18.00%	1 point per $1	$0	$500 / $25,000
	Platinum Mastercard	0.00% introductory APR for the first 12 billing statements	6.99% to 18.00% BT 6.99% to 18.00%		$0	$500 / $25,000	689 FICO $5k @14.99%
	Platinum Secured Mastercard		9.00% to 18.00%		$0	$500 / $25,000

First Tech Business Credit Card & Debit Card

They offer a business credit card and debit card but finding the cards and the applying is quite difficult. First go here to even see the business credit card mentioned but when you click on the learn more button it takes you to a PDF breaking down the benefits for the debit card. So it seems like either the product isn’t open to the public anymore (was offered in the past) or its only offered once you setup other accounts like business checking account maybe.