First Tech Platinum Guaranteed Mastercard Review 2024 – Forbes Advisor

First Tech Platinum Guaranteed Mastercard®* Compare to the Discover it® Secured Credit Card

The Discover it® Secured Credit Card is a secured cash back credit card that offers 2% cash back on up to $1,000 in accumulated purchases at gas stations and restaurants each quarter. Plus, earn unlimited 1% cash back on all other purchases. It also offers Unlimited Cash Back Match™ – Discover will automatically match all cash back earned by the end of the first year.

Unlike the First Tech Platinum Guaranteed Mastercard, the Discover it® Guaranteed Credit Card does not allow you to redeem travel rewards. However, you can earn double on gas and restaurant purchases, making this card's rewards even more generous. The minimum refundable deposit is $200, so admission may be more affordable.

read more. Best Secured Credit Card

First Tech Platinum Secure Mastercard®* With First Capital Quicksilver Secured Cash Rewards Credit Card

The Capital One Quicksilver Guaranteed Cash Rewards Credit Card offers 1.5% cash back on every purchase and 5% cash back on hotel and car rentals through Capital One Travel. The card also requires a $200 minimum security deposit. By using this card responsibly, you can earn back your deposit and upgrade to an unsecured Quicksilver card.

If you may need to carry a balance, the First Tech Platinum Secured Card is a better choice. Unfortunately, the APR (rate and fees) on the Quicksilver Secured Card is a whopping 29.99% (variable).

First Tech Platinum Guaranteed Mastercard®* Customized Cash Rewards Secured Credit Card with Bank of America®*

Bank of America® Customized Cash Rewards Guaranteed Credit Card* Offer more lucrative rewards programs to allow cardholders to maximize their cash back rewards. 其中包括以下所選類別的3% 現金回饋:汽油和電動車充電、線上購物、餐飲、旅遊、藥局或家居裝修/家具; 雜貨店和批發俱樂部2% 現金回饋; 所有其他購買均無限制現金feedback. Earn 3% and 2% cash back on the first $2,500 in general select category/grocery/wholesale club purchases each quarter, then earn 1%. This card's rewards cap can exceed your spending and its rewards rate is higher, making it stand out among competing secured cards.

Like the First Tech Platinum Guaranteed Card, the Customized Cash Rewards Guaranteed Card has no annual fee, but the standard annual interest rate is higher. It also requires a minimum deposit of $200.

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