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Choice Rewards World Mastercard® from First Tech FCU

Choice Rewards World Mastercard® from First Tech FCU

Sign Up Bonus
Earn 20,000 points when you spend $3,000 in the first 60 days.
Rewards
2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases
Annual Fee
$0
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Choice Rewards World Mastercard® from First Tech FCU 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® from First Tech FCU.

The Choice Rewards World Mastercard® from First Tech FCU has an intro APR of 0% for 12 billing cycles on balance transfers. After that, an APR of 8.25% - 18.00% variable 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® from First Tech FCU and show how it compares to similar balance transfer credit cards to help determine if it’s the right fit for you.

Choice Rewards World Mastercard® from First Tech FCU overview

    • Earn double rewards on everyday purchases, like groceries and gas
    • Redeem rewards for travel, merchandise, events, experiences, gift cards and cash
    • Get exclusive access to discounts and special offers, like ride-sharing and food delivery
  • Credit needed:
  • 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

8.25% - 18.00% Variable

Intro BT APR

0% for 12 billing cycles on balance transfers

Regular BT APR

8.25% - 18.00% Variable

Annual Fee

$0

Cash Advance Fee

N/A

Foreign Transaction Fee

$0

Balance Transfer Fee

$0

Pros and cons of the Choice Rewards World Mastercard® from First Tech FCU

Pros

  • Intro APR on balance transfers
  • Low ongoing APR
  • Long balance transfer window
  • Rewards on every purchase
  • Limited fees

Cons

  • No intro APR on purchases
  • First Tech FCU membership required

What we like about the Choice Rewards World Mastercard® from First Tech FCU

  • Intro APR on balance transfers

    The Choice Rewards World Mastercard® from First Tech FCU offers an introductory APR of 0% for 12 billing cycles on balance transfers. After that, an APR of 8.25% - 18.00% variable 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® from First Tech FCU, since the card offers a low ongoing APR of 8.25% - 18.00% variable.

  • Long balance transfer window

    The Choice Rewards World Mastercard® from First Tech FCU 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® from First Tech FCU cardholders earn 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases. Additionally, earn Earn 20,000 points when you spend $3,000 in the 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® from First Tech FCU 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® from First Tech FCU

  • No intro APR on purchases

    Because the Choice Rewards World Mastercard® from First Tech FCU does not offer an intro APR on purchases, you will be subject to interest charges at an APR of 8.25% - 18.00% variable 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® from First Tech FCU, 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 – 18 month BT offer

| Disclosures
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
on Citibank's secure site
N/A
14.74% - 24.74% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • 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.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, 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).
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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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 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 14.74% - 24.74% (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. 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.

Compare the Choice Rewards World Mastercard® from First Tech FCU to similar cards

Comparison of four different credit cards
Choice Rewards World Mastercard® from First Tech FCU Citi<sup>®</sup> Double Cash Card – 18 month BT offer Navy Federal Platinum Credit Card Bank of America<sup>®</sup> Unlimited Cash Rewards credit card
Choice Rewards World Mastercard® from First Tech FCU Citi® Double Cash Card – 18 month BT offer Navy Federal Platinum Credit Card Bank of America® Unlimited Cash Rewards credit card
Read Review
Apply Now
on Citibank's secure site
Read Review
Apply Now
on Bank Of America's secure site
Annual Fee
$0 $0 $0 $0
Intro Balance Transfer APR
0% for 12 billing cycles on balance transfers 0% for 18 months on Balance Transfers 0% intro APR for 12 months on balance transfers made within 30 days of account opening 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular Balance Transfer APR
8.25% - 18.00% Variable 14.74% - 24.74% (Variable) 5.99% to 18.00% variable 14.24% - 24.24% Variable APR on balance transfers
Balance Transfer Fee
$0 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. $0 Either $10 or 3% of the amount of each transaction, whichever is greater.
Welcome Offer
Earn 20,000 points when you spend $3,000 in the first 60 days. No bonus No bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. No rewards 1.5% cash back on all purchases
Intro Purchase APR
N/A N/A N/A 0% Intro APR for 15 billing cycles for purchases
Regular APR
8.25% - 18.00% Variable 14.74% - 24.74% (Variable) 5.99% to 18.00% variable 14.24% - 24.24% Variable APR
Recommended Credit
N/A excellent-good N/A excellent
Card Details
Choice Rewards World Mastercard® from First Tech FCU Citi® Double Cash Card Navy Federal Platinum Credit Card Bank of America® Unlimited Cash Rewards credit card

The information related to the Choice Rewards World Mastercard® from First Tech FCU 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® from First Tech FCU 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® from First Tech FCU 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.

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