First Tech Choice Rewards World Mastercard^® Review

Last Updated on July 27, 2026

Offer Rating

4.5/ 5

By Our Content Team

The First Tech Choice Rewards World Mastercard^® is an easy choice for anyone looking for a simple no balance transfer fee credit card that also comes with rewards on purchases.

Editor

4.5

CompareCredit Score

Current Offer
20,000 bonus points when you spend at least $3,000 within 60 days of opening your account

on First Tech's secure site

Welcome Offer20,000 bonus points when you spend at least $3,000 within 60 days of opening your account
Rewards Rate2 points for every $1 spent on eligible gas, groceries, household goods, and other everyday purchases
No Annual Fee$0 Annual Fee
Annual Fee$0
Credit Score NeededGood/Excellent Credit Recommended

Product Details

Select to apply online
Get 20,000 bonus points when you spend at least $3,000 within 60 days of opening your account.
Earn 2 points for every $1 spent on eligible gas, grocery, household good, and other everyday purchases. Earn 1 point per $1 for all other eligible purchases. Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks or insurance. Rewards points have no cash value until redeemed.

No annual fee. Visit firsttechfed.com/rates/credit-cards for fees associated with this account.
Credit Union membership is required and subject to approval. Card approval is subject to First Tech lending policies. Issued by First Technology Federal Credit Union. Federally Insured by NCUA.

Select to apply online
Get 20,000 bonus points when you spend at least $3,000 within 60 days of opening your account.
Earn 2 points for every $1 spent on eligible gas, grocery, household good, and other everyday purchases. Earn 1 point per $1 for all other eligible purchases. Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks or insurance. Rewards points have no cash value until redeemed.

No annual fee. Visit firsttechfed.com/rates/credit-cards for fees associated with this account.
Credit Union membership is required and subject to approval. Card approval is subject to First Tech lending policies. Issued by First Technology Federal Credit Union. Federally Insured by NCUA.

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4.5/ 5

By Our Content Team

Key Benefit

Enjoy generous rewards while paying no annual fee and no balance transfer fee.

This powerful credit card from First Tech Federal Credit Union has a unique offering that is tough to beat. For starters, new cardholders earn a generous 20,000 bonus points when you spend at least $3,000 within 60 days of opening your account. For ongoing rewards on purchases, you'll enjoy 2 points for every $1 spent on eligible gas, groceries, household goods, and other everyday purchases .

On top of the rewards points, the First Tech Choice Rewards World Mastercard^® is one of the only cards on the market that comes with no balance transfer fee. With no balance transfer fee, this card offers instant relief to anyone suffering under a high interest rate with their current credit card. Add in a big sign up bonus, no annual fee, and lucrative ongoing rewards and the First Tech Choice Rewards World Mastercard^® is a great choice for any consumer!

Pros & Cons

Pros

This is one of the only cards on the market that offers no balance transfer fee
It comes with a sizable upfront bonus and generous ongoing rewards on purchases
Cardholders pay no annual fee

Cons

There is no intro APR on purchases or balance transfers
Since this card is from a credit union, there are additional requirements to get approved for the card