Choice Rewards World Mastercard®
Advertiser Disclosure
Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
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.
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 daysBalance 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 |
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 |
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 |
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 websiteSpeak 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 Assurance, Airport Concierge, MasterRental Insurance, MasterAssist, and quite a few more.
This card has no annual, foreign transaction, or cash advance fees.
