Choice Rewards World Mastercard^® Review – First Tech FCU

First Tech Federal Credit Union’s Choice Rewards World Mastercard^® gives cardholders a lot of perks. There’s no annual fee and no fee for many common transactions. Also, cardholders can earn double rewards points on many types of purchases and a 20,000 points bonus by spending at least $3,000 in the first 60 days after opening an account.

The Choice Rewards World Mastercard^® has a long list of benefits. First Tech gives its cardholders a competitively low interest rate and doesn’t charge any fees for cash advances, balance transfers, or for purchases made outside of the country.

Also, the introductory APR for balance transfers is 0.00% for the first 12 billing cycles (standard rates apply after the promo period). If you have a lot of high-interest credit card debt, you might want to move it to a credit card with a 0.00% intro APR on balance transfers.

Read on to learn more about the nice features of this card.

Learn more about the Choice Rewards World Mastercard^®…

The Choice Rewards World Mastercard^® Is Ideal For Those Who:

• Want to earn the 20,000 bonus points after spending $3,000 on purchases within the first 60 days
• Want to earn rewards points on everyday purchases that never expire
• Want a card that has no annual fee and no foreign transaction fees
• Want a card with a 0.00% introductory APR for the first twelve billing cycles (standard rates apply after promo period) on balances transferred during the first 90 days after account opening

Other Card Perks

• No balance transfer fee
• Access to a concierge
• Identity Theft Protection
• Travel assistance insurance
• Trip cancellation insurance
• First Technology FCU Choice Rewards World Mastercard^® reports to multiple credit bureaus

Get Started With 20,000 Bonus Points

When you sign up for the Choice Rewards World Mastercard^® for the first time, you can earn bonus points. If you open an account and spend $3,000 on your card in the first 60 days, you’ll automatically get 20,000 bonus points. Find more credit card bonus offers here.

That’s the same as getting more than 6 points for every $1 you spend on your first $3,000. If you take advantage of this offer, you’ll be that much closer to using your points to get some great rewards.

Learn more about the Choice Rewards World Mastercard^®…

Double The Rewards On So Many Things

First Tech FCU has a few other reward cards, but the Choice Rewards World Mastercard^® is the only one that gives you two points for every dollar spent on such a wide range of purchases. These categories with double points are:

• Groceries
• Gas
• Electronics
• Medical expenses
• Household goods
• Telecommunications (like cellular and cable services)

For every dollar spent on anything else that doesn’t fit into the above categories, you get one point. Also, there is no limit to how many points you can earn. As long as your account is open, your points will never expire. You can collect points to redeem for things like merchandise, travel vouchers, gift cards, and even cash back.

Like other cards, there are some limits on what kinds of transactions can earn you points. You don’t get points for things like getting a cash advance, transferring your balance, or buying travelers checks.

No Fees For Many Common Transactions

One of the best things about this credit card might be that cardholders don’t have to pay extra fees to do many of the most common things. First of all, this credit card doesn’t have an annual fee, which is a great perk for a rewards card.

Also, cardholders do not have to pay a fee when they take out a cash advance. This feature isn’t often found with many competitors.

There are also no fees for transferring a balance. When you transfer a balance from a high-interest card to this card, you can save a lot of money because the introductory APR on balance transfers is 0.00% for the first 12 billing cycles (standard rates apply after the promo period).

People who travel will be happy to know that they don’t have to pay extra fees when they use their Choice Rewards World Mastercard^® abroad. Mastercard is one of the most widely accepted credit cards in the world, so this is a great card to stow away in your wallet.

Lower Interest Rates With First Tech FCU

First Tech is a member-owned credit union, so it can offer its members very good interest rates. This card’s purchase APR range (based on credit worthiness) is competitively lower, and approved applicants can get an interest rate that is more than 5 percentage points lower than the national average. Even the highest purchase APR is about the same as the national average.

Who Should Apply For The Choice Rewards World Mastercard^®?

This credit card has a nice set of features that make it appealing to cardholders. Its lack of fees is its best feature. This isn’t typical of rewards cards, which usually charge annual fees just to earn points.

One of the best things about this card is that there are no fees for cash advances. This benefit can help cardholders who need to pay cash for expensive items or services, such as home repairs. Because the APR doesn’t differ much between purchases and cash advances, this is almost the perfect credit card for cash advances.

Bottom Line

The Choice Rewards World Mastercard^® could be a good choice if you want a card with a great balance transfer introductory offer. The card gives you 12 billing cycles (standard rates apply after promo period) without interest on balance transfers, has no fee for balance transfers, and gives you rewards for the purchases you make.

Learn more about the Choice Rewards World Mastercard^®…

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