Last Updated: 07/28/2025
First Technology FCU Choice Rewards World Mastercard
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.25% - 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.25% - 18%(Verified 06/21/2024)
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Credit Score Range
640 - 850
Annual Fee
$0
First Technology FCU Choice Rewards World Mastercard Review
This is a rewards card issued by First Tech Federal Credit Union. If you're wondering whether First Technology FCU Choice Rewards World Mastercard is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: First Technology FCU Choice Rewards World Mastercard has a variable regular purchase APR that ranges from 13.25% 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 security, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First Tech
| The Good | The Bad |
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First Tech FAQ
Does First Tech have a cash back or rewards program?
First Tech is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Internet / Cable / Phone Services | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Tech have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does First Tech offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Tech benefits?
First Technology FCU Choice Rewards World Mastercard provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for First Tech?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First Technology FCU Choice Rewards World Mastercard has a variable purchase APR that ranges from 13.25% up to 18%. The card has a variable balance transfer APR that ranges from 13.25% up to 18%. It also has a variable cash advance APR that ranges from 14.25% up to 18%.
Does First Tech have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.25% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Tech have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Tech?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does First Tech have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for First Tech?
The customer service number for First Tech is .
What is the login page for First Tech?
You can access the login page of First Tech here.
How do people rate the customer service and user experience of First Tech?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Technology FCU Choice Rewards World Mastercard report your account activity to credit bureaus?
Yes, First Technology FCU Choice Rewards World Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does First Tech Federal Credit Union perform a hard credit pull?
Yes, First Tech performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Tech
- Visit the website of First Tech.
- 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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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