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Choice Rewards World Mastercard®

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This Mastercard from First Tech Federal Credit Union offers a long 0% intro APR period on balance transfers, and requires no transfer fee. You’ll reap spending rewards for a wide range of categories while you enjoy all the benefits the World Mastercard level offers, for no annual fee.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 8.25%–18.00% Variable
Intro Balance Transfer APR: 0% for 12 billing cycles

Choice Rewards World Mastercard®

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

  • 2X points per dollar spent on:
    • Groceries
    • Gas
    • Electronics
    • Medical expenses
    • Household goods
    • Telecommunications
  • 1X point per dollar spent on all other purchases

INTRODUCTORY BONUS

20,000 points when you spend $3,000 in the first 60 days

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 12 billing cycles
Regular Balance Transfer APR 8.25%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $25
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 9.25%–18.00% Variable
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card

Card Benefits

SECURITY
  • Zero Liability on Unauthorized Charges
SHOPPING
  • Discount Portal
  • Purchase Protection
TRAVEL
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Trip Interruption Insurance
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Travel Accident Insurance
Choice Rewards World Mastercard®

Highlights

  • 2X points per dollar spent on groceries, gas, electronics, medical, household goods, and telecommunications
  • 20,000 points when you spend $3,000 in the first 60 days
  • 0% intro balance transfer APR for 12 billing cycles, and then 8.25%–18.00% Variable
  • MasterAssist Insurance, Purchase Assurance, and ShopRunner membership
  • No balance transfer fee, foreign transaction fee, or cash advance fee
  • No annual fee
ABOUT THE ISSUER

First Tech Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-855-855-8805

The Choice Rewards World Mastercard from First Tech Federal Credit Union is a rewards card designed for balance transfers and general purchases.

You’ll get a 0% intro balance transfer APR for 12 billing cycles, and then 8.25%–18.00% Variable. There’s no balance transfer fee, making this card ideal for transferring larger balances that are accruing interest on another card.

You can take advantage of a broad selection of World Mastercard benefits, such as Purchase AssuranceAirport ConciergeMasterRental InsuranceMasterAssist, and quite a few more.

This card has no annual, foreign transaction, or cash advance fees.