First tech choice rewards world mastercard review

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First Tech Federal Credit Union Platinum Rewards MasterCard®

First Tech Federal Credit Union Platinum Rewards MasterCard®

Compare this card

  • Card details

  • Card details

Card details

  • Introductory 0% APR on balance transfer for 12 months

  • Earn 10,000 Rewards Points when you spend $2,000 in your first two months

  • Rewards Points for every dollar spent

  • As low as 10.24% APR

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x

  • Bonus offer

    Earn 10,000 Rewards Points when you spend $2,000 in your first two months.

  • Intro APR

    0% on balance transfers for 12 billing cycles

  • Ongoing APR

    APR: 10.24%-18.00% Variable APR

    Cash Advance APR: 18.00%, Variable

  • Foreign transaction fee

    None

Recommended credit score

630850average - excellent

Compare to other cards

Not sure which card is best for you?

Take a simple quiz to find out

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  • Choice Rewards World Mastercard®

Choice Rewards World Mastercard® from First Technology Federal Credit Union — all information about the credit card.

Updated September 12, 2022

Learn more

Recommended credit score

Good to Excellent (670-799)

  • Rewards Rate:

    • 2x Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications.
    • 1x Reward Point for every $1 spent on all other purchases.

  • Intro Offer:

    • 20,000x Bonus Rewards Points when you spend $3,000 in the first 60 days.

  • Annual Fee:

    $0

  • Purchase Intro APR:

    None

  • Regular APR:

    10.50% - 18.00% Variable

  • Balance Transfer APR:

    10.50% - 18.00% Variable

Show more

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First Technology Federal Credit Union Choice Rewards World Mastercard® Rewards Calculator

All benefits

  • Points

    • 2x On groceries, gas, electronics, medical, household goods and telecommunications.
    • 1x On all other purchases.

  • Travel

    • MasterRental Coverage:
    • Mastercard car rental insurance covers your rental vehicle against physical damage and theft.
    • Lost or Damaged Luggage:
    • Reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged.
    • Trip Cancellation:
    • If you're unable to take a trip due to an unforeseeable event, a trip cancellation policy will reimburse you for your prepaid, forfeited and non-refundable costs.
    • Master RoadAssist®:
    • A roadside assistance plan helps schedule and pay for emergency roadside services if you're stranded on the side of the road.
    • Mastercard Travel & Lifestyle Services:
    • As a World Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.
    • Mastercard Airport Concierge™:
    • Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year.
    • Baggage Delay:
    • Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler’s luggage is delayed for a specified period of time.

Rate and fee information

  • Purchase Intro APR

    • None

  • Purchase APR

    • 10.50% - 18.00% Variable

  • Intro Balance Transfer APR

    • 0% Introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening

  • Balance Transfers APR

    • 10.50% - 18.00% Variable

  • APR for Cash Advances

    • 11.50% - 18.00% Variable

  • How to Avoid Paying Interest

    • Your due date is at least 21 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and transfers as of the transaction date.

Fees

  • Annual Fee

    • $0

  • Fees for Balance Transfer

    • None

  • Fees for Cash Advances

    • None

  • Return Payment

    • Up to $25

  • Late Payment

    • Up to $25

View all Rates & Fees

Pros & Cons

Pros:

  • No Annual Fee
  • No Foreign Transaction Fee
  • Intro APR period on balance transfers

Cons:

  • No Intro APR period on purchases

Features

  • Low interest
  • No Annual Fee
  • No foreign transaction fees
  • Rewards
  • Bonus points
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Trip Cancellation
  • Auto Rental Insurance
  • 24/7 Travel Assistant
  • Good Credit
  • Excellent Credit

About the issuer

First Technology Federal Credit Union has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Compare with other cards

Good credit score

Upgrade Cash Rewards Visa®

Recommended credit score

Fair to Excellent (580-799)

  • None

    Annual Fee

  • 14.99% - 29.99%

    Regular APR

  • 1.5%

    Cash Back on payments.

  • None

    Purchase Intro APR

Apply now

On Upgrade‘s website

Upgrade Triple Cash Rewards Visa®

Recommended credit score

Fair to Excellent (580-799)

  • None

    Annual Fee

  • 14.99% - 29.99%

    Regular APR

  • 3%

    Cash Back on Home, Auto and Health categories.

  • None

    Purchase Intro APR

Apply now

On Upgrade‘s website

Capital One Spark Cash Select - $500 Cash Bonus

Recommended credit score

Excellent (740-799)

  • None

    Annual Fee

  • 16.24% - 22.24%

    Regular APR

  • 5%

    Cash Back on hotels and rental cars booked through Capital One Travel.

  • None

    Purchase Intro APR

Apply now

On Capital One‘s site

First Technology Federal Credit Union Choice Rewards World Mastercard® is an option for those, who need Classic features. With an APR of 10.50% - 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With First Technology Federal Credit Union Choice Rewards World Mastercard® you will get such features as Low interest, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you

Best for For bad credit

Petal® 1 "No Annual Fee" Visa®

WebBank

Recommended credit score

No Credit History to Good (0-739)

  • None

    Annual Fee

  • 22.99% - 32.49%

    Regular APR

  • 2% - 10%:

    Cash Back at select merchants.

  • None

    Purchase Intro APR

Apply now

On WebBank‘s site

What credit score is needed for first tech card?

Must provide Social Security number and driver's license or other state-issued ID. Must provide contact information. Minimum credit score: 660.

What are the benefits of a world Mastercard?

As a World Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more*.

Is First Tech a Mastercard?

Transfer your balances and save. If you have balances on other cards, you could save money and pay your balances off faster by transferring them to a First Tech Platinum Mastercard.

Is Firsttech credit union legit?

Founded in 1952, First Tech is a not-for-profit financial institution and is federally insured by the National Credit Union Administration. With First Tech, you don't need to pay an application fee.

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