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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


  • 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 debt from one 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


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 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

  • Zero Liability on Unauthorized Charges
  • Discount Portal
  • Purchase Protection
  • 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®


  • 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

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


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.

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