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  First Technology FCU Choice Rewards World Mastercard

First Technology FCU Choice Rewards World Mastercard

in Personal Credit Cards from First Technology Federal Credit Union

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First Technology FCU Choice Rewards World Mastercard

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in Personal Credit Cards from First Technology Federal Credit Union

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Highlights
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.

Key Takeaways
  • 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.
First Technology FCU Choice Rewards World Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere First Technology FCU Choice Rewards World Mastercard is accepted.
  • First Technology FCU Choice Rewards World Mastercard reports to multiple credit bureaus.
First Technology FCU Choice Rewards World Mastercard FAQ

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.

First Technology FCU Choice Rewards World Mastercard Rewards
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.

First Technology FCU Choice Rewards World Mastercard Balance Transfers
Description
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:

First Technology FCU Choice Rewards World Mastercard Fees
Fees Amount
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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   19960 Stevens Creek Boulevard
    Cupertino, CA 95014
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 1:00pm

Other Services by First Technology Federal Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

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.
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Cellular Telephone Protection
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Rates
  • Every Purchase
  • Groceries
  • Gas
  • Internet / Cable / Phone Services
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 9.25% - 18%
Balance Computation “average daily balance” (excluding new purchases)
Purchase APR (Variable APR) 8.25% - 18%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.25% - 18%
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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