Choice Rewards World Mastercard®
MastercardIssued by First Tech Federal Credit Union
Earn 2x points on gas, groceries, and household goods, and 1x point on all other purchases.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
11.75% – 18%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
20000
Earn 20,000 bonus points when you spend at least $3,000 in the first 60 days, a $200 value!
TOP POINTS
2x points
Earn 2 rewards points on everyday purchases, including gas.
Key Benefits
- Earn 2x rewards points on everyday purchases, including gas, groceries, and household goods.
- Earn 1x rewards points on all other purchases.
- No annual fee, no balance transfer fees, and no cash advance fees.
- No foreign transaction fees for international travel.
- Rewards points never expire and have no earning limit.
Important Limitations
- Consumers seeking a generous 0% introductory APR offer on purchases
- Individuals who do not wish to join a credit union
- Those looking for premium luxury travel perks like airport lounge access
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Gas | 2x points | Unlimited (no annual cap) | Earn 2 rewards points on everyday purchases, including gas. |
| Groceries | 2x points | Unlimited (no annual cap) | Earn 2 rewards points on everyday purchases, including groceries. |
| Household Goods | 2x points | Unlimited (no annual cap) | Earn 2 rewards points on everyday purchases, including household goods. |
| All | 1x point | Unlimited (no annual cap) | Earn 1 reward point on all other purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
11.75% – 18%
CASH ADVANCE APR
18% – 18%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$25
BALANCE TRANSFER FEE
$0 OR 0%
CASH ADVANCE FEE
$0 OR 0%
Card Protection & Benefits
Mastercard Purchase Assurance
- ✓Protect your eligible purchases from damage and theft for 90 days. Mastercard will refund the cost of the purchase.
- ✓Purchase must be made with the card
- ✓Loss or damage must occur within 90 days of purchase
Mastercard ID Theft Protection™
- ✓Theft resolution services that can help you minimize the damage and restore your identity if your personal information is compromised.
- ✓Requires activation/enrollment
Security Features
- ✓Card Controls – Lock and unlock your card temporarily from the First Tech mobile app to prevent unauthorized use.
- ✓Falcon Fraud Detection – First Tech partners with Falcon Fraud Detection to monitor your transactions and spot unauthorized card use 24/7.
Best Use Cases
IDEAL FOR
- Consumers looking for a reliable everyday rewards card with no annual fee
- Cardholders who want to transfer a balance without paying a balance transfer fee
- International travelers seeking a card with no foreign transaction fees
- Existing or prospective First Tech Federal Credit Union members
NOT RECOMMENDED FOR
- Consumers seeking a generous 0% introductory APR offer on purchases
- Individuals who do not wish to join a credit union
- Those looking for premium luxury travel perks like airport lounge access
Maximize Your Rewards Strategy
Months 1–2: Hit the Bonus
- Spend $3,000.00 to unlock $20,000.00 bonus
- Effective 667% return on first $3,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 2x points on Gas
- 2x points on Groceries
- 2x points on Household Goods
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-855-855-8805
Last updated: Mar 17, 2026
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