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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
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American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Choice Rewards World Mastercard® Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.3
Choice Rewards World Mastercard®
Sign-Up Bonus
20,000 bonus points for spending at least $3,000 in first 60 days.
Rewards Rate
2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on everything else
Annual Fee
$0
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Pros and cons

  • Intro APR on balance transfers
  • Low ongoing APR
  • Long balance transfer window
  • Rewards on every purchase
  • Limited fees
  • No intro APR on purchases
  • First Tech FCU membership required

Choice Rewards World Mastercard® overview

    • 0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening. After, a 13.50% to 18.00% Variable APR applies to unpaid balance transfers.
    • 20,000 bonus points for spending at least $3,000 in first 60 days.
    • 2 points per $1 spent on groceries, gas, electronics, medical, household good and telecommunications (as determined by MCC)
    • 1 point per $1 spent for everything else.
    • Redemption: Cash, travel, merchandise, events and activities, charitable donations, gift cards.
    • Special bonuses on spending for cardholders with active First Tech Rewards Checking and Savings accounts.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Excellent/Good
  • Mastercard ID Theft Protection™
  • Mastercard Global Service™
  • Access to exclusive discounts, offers and benefits
  • Lost or damaged luggage coverage
  • Car rental insurance
  • Trip cancellation and travel accident protection
  • Purchase Assurance

Intro Purchase APR

N/A

Regular Purchase APR

13.50% to 18.00%

Intro BT APR

0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening.

Regular BT APR

13.50% to 18.00%

Annual Fee

$0

Cash Advance Fee

$0

Foreign Transaction Fee

$0

Balance Transfer Fee

$0

Who is the Choice Rewards World Mastercard® best for?

If you have a large amount of high interest credit card debt, you may want to consider transferring it to a credit card that offers an intro APR on balance transfers for a year or longer, like the Choice Rewards World Mastercard®.

The Choice Rewards World Mastercard® has an intro APR of 0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening.. After that, an APR of 13.50% to 18.00% applies. The card also offers a rewards program, and comes with a $0 annual fee and $0 balance transfer fee.

We highlight the pros and cons of the Choice Rewards World Mastercard® and show how it compares to similar balance transfer credit cards to help determine if it’s the right fit for you.

What we like about the Choice Rewards World Mastercard®

  • Intro APR on balance transfers

    The Choice Rewards World Mastercard® offers an introductory APR of 0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening.. After that, an APR of 13.50% to 18.00% applies to any unpaid portion of the transferred balance.

  • Low ongoing APR

    If you aren’t able to pay off your transferred balance in full within the promotional period, know that you won’t be hit with high interest charges with the Choice Rewards World Mastercard®, since the card offers a low ongoing APR of 13.50% to 18.00%.

  • Long balance transfer window

    The Choice Rewards World Mastercard® comes with a balance transfer window — which is the amount of time you have to transfer your balance and take advantage of the promotional intro APR — of 90 days.

    Typically, issuers require cardholders to make the transfer within the first 60 days of account opening.

  • Rewards on every purchase

    Choice Rewards World Mastercard® cardholders earn 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on everything else. Additionally, earn 20,000 bonus points for spending at least $3,000 in first 60 days..

    Rewards points can be redeemed for merchandise, gift cards, travel, cash or events and experiences.

    But keep in mind, when you transfer a balance, it’s best to focus on paying off the transferred amount in full before earning rewards — which could ultimately lead to more debt.

  • Limited fees

    While the majority of balance transfer credit cards charge balance transfer fees ranging from 3% to 5% of the amount of each transfer, the Choice Rewards World Mastercard® is one of the few cards that charges a $0 balance transfer fee.

    The card also comes with a $0 annual fee and a $0 foreign transaction fee.

What to look out for with the Choice Rewards World Mastercard®

  • No intro APR on purchases

    Because the Choice Rewards World Mastercard® does not offer an intro APR on purchases, you will be subject to interest charges at an APR of 13.50% to 18.00% if you carry a balance on your card from month to month.

    That said, the APR is very reasonable — especially if you qualify for the lowest rate.

  • Credit union membership required

    To apply for the Choice Rewards World Mastercard®, you must first become a member of First Tech FCU.

    There are a numbers of ways to be eligible for membership, including having a family member or household member who is already a First Tech member, working for (or having a family member who works for an eligible partner company or for the State of Oregon, working or living in Lane County, Oregon, or belonging to the Computer History Museum or Financial Fitness Association.

Alternate balance transfer card

Compare it to the Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
Learn More
on Citibank's secure site
N/A
19.24% - 29.24% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Excellent/Good/Fair
The information related to the Citi Double Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you prefer a rewards credit card with a longer intro APR on balance transfers, you may want to take a look at the Citi Double Cash® Card, from our partner Citi.

The card offers a long intro APR of 0% for 18 months on balance transfers. After that, a regular APR of 19.24% - 29.24% (variable) applies.

Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Cash back can be redeemed as a statement credit, direct deposits or checks, or converted to points.

While the Citi Double Cash® Card comes with a $0 annual fee, there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

The information related to the Choice Rewards World Mastercard® and Navy Federal Platinum Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Is the Choice Rewards World Mastercard® right for you?

If you’re in the market for a balance transfer credit card with a solid intro offer, the Choice Rewards World Mastercard® could be a good fit. Along with providing an interest-free period on balance transfers for a year, the card charges a $0 balance transfer fee and offers rewards for the purchases you make.

But if you want an even longer intro APR period on balance transfers, check out our list of The Best Balance Transfer Cards. Just know, balance transfer cards offering longer intro APR periods typically assess a balance transfer fee.

Learn More
on First Tech FCU's secure site

The information related to the Choice Rewards World Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.