
First Technology FCU Choice Rewards World Mastercard
in Personal Credit Cards from First Technology Federal Credit Union
UnaffiliatedFirst Technology FCU Choice Rewards World Mastercard
in Personal Credit Cards from First Technology Federal Credit Union
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Purchase APR (Variable APR) | 8.25% - 18% |
Balance Transfer APR (Variable APR) | 8.25% - 18% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
First Technology FCU Choice Rewards World Mastercard Review
First Technology FCU Choice Rewards World Mastercard is a rewards credit card issued by First Technology Federal Credit Union. If you're wondering whether First Technology FCU Choice Rewards World Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of 20000 points after spending $3,000 within 2 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. First Technology FCU Choice Rewards World Mastercard has a variable purchase APR that ranges from 8.25% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval oods if your credit score is above650.
The Good | The Bad |
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Is there a First Technology FCU Choice Rewards World Mastercard cash back or rewards program?
First Technology FCU Choice Rewards World Mastercard offers a rewards program to its customers.
Rewards rate (all purchases) | N/A |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 20000 |
Signup Bonus Spend Requirement | $3000 |
Signup Bonus Spend Period (months) | 2 months |
Does First Technology FCU Choice Rewards World Mastercard have a signup bonus?
First Technology FCU Choice Rewards World Mastercard doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.Does First Technology FCU Choice Rewards World Mastercard offer an annual loyalty bonus?
First Technology FCU Choice Rewards World Mastercard doesn't offer a cash loyalty bonus.What are the First Technology FCU Choice Rewards World Mastercard benefits?
First Technology FCU Choice Rewards World Mastercard provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Cellular Telephone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for First Technology FCU Choice Rewards World Mastercard?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Technology FCU Choice Rewards World Mastercard has lower than average purchase APRs.First Technology FCU Choice Rewards World Mastercard has a variable purchase APR that ranges from 8.25% up to 18%. The card has a variable balance transfer APR that ranges from 8.25% up to 18%. It also has a variable cash advance APR that ranges from 9.25% up to 18%.
Does First Technology FCU Choice Rewards World Mastercard have an introductory APR offer on balance transfers?
Yes, First Technology FCU Choice Rewards World Mastercard offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
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Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 8.25% - 18% |
Balance Transfer Fee % | 0% |
Does First Technology FCU Choice Rewards World Mastercard have an introductory APR offer on new purchases?
First Technology FCU Choice Rewards World Mastercard does not offer an introductory rate on new purchases.What are the fees for First Technology FCU Choice Rewards World Mastercard?
The following fees apply to First Technology FCU Choice Rewards World Mastercard:
Fees | Amount |
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Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $25 |
Does First Technology FCU Choice Rewards World Mastercard have a foreign transaction fee?
First Technology FCU Choice Rewards World Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does First Technology FCU Choice Rewards World Mastercard report your account activity to credit bureaus?
Yes, First Technology FCU Choice Rewards World Mastercard reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for First Technology FCU Choice Rewards World Mastercard
- Visit the First Technology FCU Choice Rewards World Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
19960 Stevens Creek Boulevard
Cupertino, CA 95014 - Visit Site
Other Services by First Technology Federal Credit Union

Availability
- Alabama
- Alaska
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- Washington, DC
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- West Virginia
- Wisconsin
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Feature Breakdown
Every Purchase (Points) | 1 |
Gas (Points) | 2 |
Every Purchase (Points) | Earn 2 points on gas, grocery, household goods, electronics and telecom purchases. Earn 1 point on all other purchases. |
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