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.

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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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).

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

American Express Disclosure

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

First Tech 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.
2.3
First Tech Choice Rewards World Mastercard®
APRs
13.50 to 18.00% APR based on your credit worthiness on purchases and balance transfers
Welcome Offer
20,000 bonus points when you spend at least $3,000 in the first 60 days
Rewards Rate
Earn 2 points per $1 spent on everyday purchases, including gas, groceries, household goods, and more. Earn 1 point per $1 spent on other eligible purchases. There’s no limit to how many rewards points you can earn, and your points never expire. *Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents, (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, traveler's checks, or insurance. Rewards points have no cash value until redeemed.
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.
Citi is an advertising partner.

Pros and cons

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

First Tech Choice Rewards World Mastercard® overview

    • Credit Union membership is required and subject to approval. Card approval is subject to First Tech lending policies.
    • 20,000 bonus points when you spend at least $3,000 within 60 days of account opening.
    • Earn 2 points per $1 spent on everyday purchases, including gas, groceries, household goods, and more
    • Earn 1 point per $1 spent on other eligible purchases.
    • Cash-back rewards, as well as travel, merchandise, gift card and event/experience redemption options.*
    • Grow your rewards balance. There’s no limit to how many rewards points you can earn, and your points never expire.
    • Protect your purchases from damage and theft for 90 days with Mastercard Purchase Assurance.
    • Take advantage of a suite of special Mastercard Benefits, including Mastercard ID Theft Protection™, MasterRental Coverage, and Master Global Service™.
    • Worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
    • If you are a Portland Trail Blazers fan, you can get a Blazers-branded card with extra Blazers-specific benefits.
    • No annual fee*
    • First Technology Federal Credit Union. Insured by NCUA.
    • *To see rates, fees, and rewards disclosures for First Tech Choice Rewards World Mastercard®, please click here.
  • 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
    Good/Excellent
  • 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% APR based on your credit worthiness

Intro BT APR

N/A

Regular BT APR

13.50 to 18.00% APR based on your credit worthiness

Annual Fee

$0

Cash Advance Fee

$0

Foreign Transaction Fee

$0

Balance Transfer Fee

$0

Who is the First Tech 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 card that doesn’t charge a balance transfer fee, like the First Tech Choice Rewards World Mastercard®. The card also offers a rewards program and comes with a $0 annual fee.

We highlight the pros and cons of the First Tech 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 First Tech Choice Rewards World Mastercard®

  • Low ongoing APR

    With the First Tech Choice Rewards World Mastercard®, you’ll get a low ongoing 13.50 to 18.00% APR based on your credit worthiness.

  • Long balance transfer window

    The First Tech Choice Rewards World Mastercard® comes with a balance transfer window — which is the amount of time you have to transfer your balance — of 90 days. Typically, issuers require cardholders to make the transfer within the first 60 days of account opening.

  • Rewards on every purchase

    First Tech Choice Rewards World Mastercard® cardholders earn 2 points per $1 spent on everyday purchases, including gas, groceries, household goods, and more. Earn 1 point per $1 spent on other eligible purchases. There’s no limit to how many rewards points you can earn, and your points never expire. *Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents, (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, traveler's checks, or insurance. Rewards points have no cash value until redeemed. Additionally, earn 20,000 bonus points when you spend at least $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 First Tech 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 First Tech Choice Rewards World Mastercard®

  • No intro APR on purchases or balance transfers

    Because the First Tech Choice Rewards World Mastercard® does not offer an intro APR on purchases or balance transfers, you will be subject to interest charges at a 13.50 to 18.00% APR based on your credit worthiness 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 First Tech 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
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
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
Fair/Good/Excellent

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 long 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 an intro APR of 0% intro apr 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.

Is the First Tech Choice Rewards World Mastercard® right for you?

If you’re in the market for a balance transfer credit card with no balance transfer fee, the First Tech Choice Rewards World Mastercard® is a solid choice — especially when you consider the low ongoing APR, rewards program and $0 annual fee.

But if you want an 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.

apply-now-icon Apply Now
on First Tech FCU's secure site
Rates & Fees