Features:

• As low as 8.25% APR , not to exceed 18.00%APR equals Annual Percentage Rate. The APR will vary with the Prime Rate. Click here to see current rates. Offer is subject to credit qualifications. Rates, terms and conditions subject to change and some restrictions may apply. To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus.
• No annual fee
• Introductory 0.00% APR balance transfer for 12 billing cyclesBalance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR As low as 8.25% APR  -18.00% based on creditworthiness and product type. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
• Earn double Rewards Points on everyday purchasesCertain terms, conditions and exclusions apply. See our Choice Rewards World Mastercard Benefits Guide for further details. First Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points.
• Industry-leading Chip + PIN security

Benefits:

• Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 daysAPR equals Annual Percentage Rate. The APR will vary with the Prime Rate. Click here to see current rates. Offer is subject to credit qualifications. Rates, terms and conditions subject to change and some restrictions may apply. To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus.
• Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications⁴ and 1 Reward Point for every $1 spent on all other purchases
• Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
• No points maximum and your points never expireAs long as account is open and in good standing.
  
• View all cardholder benefits