$200 welcome bonus
Get 20,000 bonus points (worth $200) when you spend $3,000 in the first 60 days.To qualify for the 20,000 rewards points bonus, purchases totaling at least $3,000 must post to the account within 60 days of account opening. Rewards points will be awarded as a statement credit after second statement following qualification for the bonus. Points have no cash value until redeemed. Points can be redeemed for cash back in the form of a statement credit or a transfer to a First Tech Rewards Checking® account. The value of points may be lower depending on redemption method chosen. Credit card account must be in good standing (i.e., not in default, closed, inactive, or otherwise not in good standing) for points redemption.
Get cash back on everyday purchases
- 2x points on gas, groceries and household essentialsFirst Tech does not have the ability to control how a retailer chooses to classify their business and reserves the right to determine which purchases qualify for rewards points. 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, travelers’ checks, or insurance. Merchants who accept Mastercard® are assigned a Merchant Category Code (MCC) based on the type of products or services they primarily sell. Merchants, not First Tech, categorize and submit purchases, so some purchases may not fall into the category where you might expect them to appear. Purchases transmitted without a qualifying MCC will not qualify for bonus points. Household Goods purchases made at a merchant that does not process under a qualifying MCC or processes through a third-party payment account, digital wallet not supported by First Tech or similar technology where the technology does not support transmission of qualifying MCC, will not qualify for bonus rewards points. Household Goods purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or at grocery stores associated with discount stores or super stores) that do not transmit a qualifying MCC will not earn the bonus rewards points. Qualifying MCCs for Household Goods include: Drapery, Upholstery and Window Coverings Stores (5714), Miscellaneous House Furnishing Specialty Shops (5719), Household Appliance Stores (5722). = 2% cash back
- 1x points on everything else = 1% cash back
- Unlimited points that never expireTo qualify for the 20,000 rewards points bonus, purchases totaling at least $3,000 must post to the account within 60 days of account opening. Rewards points will be awarded as a statement credit after second statement following qualification for the bonus. Points have no cash value until redeemed. Points can be redeemed for cash back in the form of a statement credit or a transfer to a First Tech Rewards Checking® account. The value of points may be lower depending on redemption method chosen. Credit card account must be in good standing (i.e., not in default, closed, inactive, or otherwise not in good standing) for points redemption. = Unlimited cash back
Straightforward rewards. No surprises.
Get the card that rewards your everyday spending, with no hidden fees and no annual fee.APR = Annual Percentage Rate. No application fees. No Balance Transfer fees. No Cash Advance fees. No Foreign Transaction fees. No Minimum Interest Charge. Balance Transfer Annual Percentage Rate (APR) will be the same as Purchase APR. currently 11.75%-18.00% APR. based on your creditworthiness and credit history. Purchase APR and Balance Transfer APR vary with the Prime Rate. Cash Advance APR is 18.00%. The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.
Apply quickly and easily
Apply online in just minutes with a simple, secure application and fast decisions. If approved, you’ll get instant digital card access so you can start using your card right away before your physical card arrives in the mail.
Features and rewards.
Want even more from a simple cash back card? The Choice Rewards World Mastercard® is built to deliver everyday value, plus extra benefits at no cost to you:
- No annual feeAPR = Annual Percentage Rate. No application fees. No Balance Transfer fees. No Cash Advance fees. No Foreign Transaction fees. No Minimum Interest Charge. Balance Transfer Annual Percentage Rate (APR) will be the same as Purchase APR. currently 11.75%-18.00% APR. based on your creditworthiness and credit history. Purchase APR and Balance Transfer APR vary with the Prime Rate. Cash Advance APR is 18.00%. The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.
- Low Annual Percentage Rates (APR)APR = Annual Percentage Rate. No application fees. No Balance Transfer fees. No Cash Advance fees. No Foreign Transaction fees. No Minimum Interest Charge. Balance Transfer Annual Percentage Rate (APR) will be the same as Purchase APR. currently 11.75%-18.00% APR. based on your creditworthiness and credit history. Purchase APR and Balance Transfer APR vary with the Prime Rate. Cash Advance APR is 18.00%. The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.
- Exclusive discounts through select Mastercard partners,Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits. including Instacart+, Lyft®, Peacock and MoviePass
- Added savings on travel, dining, entertainment and experiencesCertain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Mastercard protection benefits, including Mastercard ID Theft Protection™, Mastercard Zero Liability fraud protection, worldwide assistance for lost and stolen cards and emergency cash advance accessCertain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
The digital experience.
The Choice Rewards World Mastercard® comes with helpful digital tools, so you enjoy all the benefits no matter whether you are online or in-person.
- Instant digital card access: No need to wait. Get your card information instantly at account opening, and add your card to your digital wallet to start using it before your physical card arrives.
- Manage your card from the First Tech mobile app and the Manage Cards feature. Monitor transactions anytime, anywhere.
- Temporarily lock and unlock your card easily to prevent unauthorized use.
- Check your rewards balance on the go, and request a new card from the app if yours is lost or damaged.
- Compatible with major digital wallet services, including Mastercard Click to Pay, Apple Pay®, Google Pay®, Samsung Pay® and Samsung Wallet®.
Security
The Choice Rewards World Mastercard® protects you and your purchases.
- Every Choice Rewards World Mastercard® comes with Mastercard ID Theft Protection™. Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits. If you believe your identity has been comprised, Mastercard ID Theft Protection can help you minimize the damage and restore your good name. They also continually monitor all parts of the internet to make sure that, if your personal information is ever compromised, they know about it as soon as possible.
- Mastercard Purchase Assurance gives you the peace of mind that if one of your purchases is damaged or stolen within 90 days of purchase, Mastercard will refund the cost of the purchase.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Monitor your transactions, lock and unlock your card and prevent unauthorized use all from the First Tech mobile app.
This credit union is federally insured by the National Credit Union Administration