Choice Rewards World Mastercard®

It’s called Choice for a reason.

The First Tech Choice Rewards World Mastercard is the #1 choice among our members. Why?

Man using the Choice Rewards credit card.

Valuable offer for new cardholders

Earn 20,000 bonus points when you spend at least $3,000 within the first 60 days of opening your new Choice Rewards World Mastercard®. That's a $200 valueTo 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 on the second statement following qualification for the bonus..

Man sitting in a coffee shop with a mug and pastry on the table in front of him, while he is browsing his phone.

Exciting rewards and redemption options

Earn 2 points for every $1 you spend on everyday purchases, including gas, groceries, household goods, and moreFirst 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..
Earn 1 point per $1 spent on all other eligible itemsFirst 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..
Cash-back rewards, as well as travel, merchandise, gift card and event/experience redemption options.
No Annual Fee

Those aren’t the only great features. Keep reading to learn more about the First Tech Choice Rewards World Mastercard, or, if you’re ready to get yours, click the Apply Now button. The application is quick and easy, and you’ll get an answer fast.

Don’t worry if you’re not already a First Tech member, we have lots of different ways for you to qualifyMembership is required and subject to approval. Card approval is subject to First Tech lending policies..

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Features and Rewards

Man using phone and computer to access First Tech Mobile and Online banking, while sitting in a coffee shop.

What’s so special about the First Tech Choice Rewards World Mastercard? Here are just a few of the key features.

Grow your rewards balance. There’s no limit to how many rewards points you can earn, and your points never expireAs long as account is open and in good standing..
Protect your purchases from damage and theft for 90 days with Mastercard Purchase Assurance.
Enjoy exclusive discounts from Doordash, Hello Fresh, Lyft, Fandango, and more. 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.

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Digital Experience

The First Tech Choice Rewards World Mastercard comes with the latest digital tools, so you get all the benefits, whether you use it in the real world or online.

Manage your card with the easy-to-use First Tech mobile app and the Manage Cards feature. Monitor your transactions anytime, anywhere without having to wait for your statement. Temporarily lock your card to prevent unauthorized use and unlock it with ease. Check your rewards balance from wherever you are. You can also request a new card right from the app if yours is lost or damaged.
Shop safely. The First Tech Choice Rewards World Mastercard is compatible with major digital wallet services, including Mastercard Click to Pay, Apple Pay, Google Pay, and Samsung Wallet, which can be more secure than using your physical card at merchant terminals or manually entering your card information online.

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Self Managed Accounts with First Tech Federal Credit Union

Protection

Father and son sitting on the couch playing a video game

A great card isn’t great unless it protects you and your purchases. The First Tech Choice Rewards World Mastercard does just that.

The First Tech mobile app allows you to monitor your transactions wherever you are, so you can catch and report unauthorized transactions fast. You can also lock and unlock your card using the Manage Cards feature to help prevent unauthorized use.
Every Choice Rewards World Mastercard comes with Mastercard ID Theft Protection™. 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 purchaseSee the Mastercard Guide to Benefits for World Mastercard Credit Holders for full terms and conditions..

Supercharge your rewards

Earn extra bonuses when you pair the First Tech Choice Rewards World Mastercard with First Tech Rewards Checking and Savings. Get an extra 0.5% cash back, up to $15, on your monthly credit-card spending and a $10 streaming subscription rebate, as well as cash back on loan payments. Click the button to learn more about the benefits and calculate how much you could earn in total rewards.

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Frequently Asked Questions

To access the new Rewards Program, log into Online Banking or the Mobile App* and look for the Manage Cards Widget in the menu on the left. You will see images of your cards. Click on the image of your card for more details, and then click on the Rewards tab at the top. Once you’re in the rewards site, you’ll see instructions for redeeming your points. If you need further assistance, please contact us at 855.855.8805 or visit a location near you.

Business Rewards Members: Business Rewards cannot be accessed from within Online or Mobile Banking. To access Business rewards points, go to https://bizrewards.firsttechfed.com. You will need to register your Business Rewards card before logging in the first time.

* iOS devices must access the rewards site from Online Banking (desktop, not the mobile app) due to Apple security settings.

With First Tech's Manage Cards tools transferring your balances and saving money every month is easier than ever. Just log into Online Banking or the Mobile App and go to Mange Cards. Select the card you would like to transfer the balance to and follow the prompts.

We offer several rewards packages through our credit cards in an effort to provide you with the flexibility to choose how you want to reward yourself. Choose from travel, merchandise, cash and more.

Browse our Credit Card product pages to review and compare rewards programs.

Merchants who accept Visa/MasterCard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. First Tech groups similar merchant codes into categories for purposes of making rewards offers to you. Please note that First Tech makes every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category.

Gas station merchants may include and are not limited to those in the following categories: automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category; for example, truck stops, boat marinas, oil and propane distributors, home heating companies, fuel dealers–coal, fuel oil, liquefied petroleum, wood may or may not be included in the gas station category unless the merchant has set up such purchases to be classified in the gas station category.

Grocery store merchants may include and are not limited to those in the following categories: merchants that offer a full service grocery line of merchandise including a deli and bakery as well as smaller grocery stores. Please note that some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, merchants that specialize in only a few grocery items, purchases made at gas stations from merchants who also operate grocery stores, and delivery services are not included in this category unless the merchant has set up such purchases to be classified in the grocery stores category.

Household good merchants may include and are not limited to those in the following categories: home furniture and decor. Please note that merchants that sell office and commercial furniture, second hand, used merchandise stores, and antique shops may or may not be included in the household goods category unless the merchant has set up such purchases to be classified in the household goods category.

(First Tech’s travel category is made up of certain airline, transportation and lodging merchants)

Airlines:
Airline tickets made directly with the airlines will qualify unless the merchant has set up such purchases to not be included in the airline category. Please note that other air travel-related purchases may or may not qualify; for example, in-flight purchases, the purchasing of airline miles or points, non-ticket purchases made within the airport, and airline tickets purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or tickets booked as part of a travel package offered by non-airline merchants unless the merchant has set up such purchases to be classified in the airline category.

Transportation:
Car rentals for the purpose of driver and passenger transportation will qualify unless the merchant has set up such purchases to not be included in the transportation category. Please note that other car rentals not booked directly with the car rental agency may not qualify; for example, car rentals purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways

Merchants in the local transit/commuting category include operators of buses, taxis, limousines, cruises, travel agencies and tour operator unless the merchant has set up purchases to not be included in the transportation category. Please note that some merchants that provide transportation and related services are not included in this category; for example, freight railroads, passenger railways, ambulance services, moving and storage companies, local deliveries, couriers services, boat leases and rentals, marinas and marine services and supplies, bridge and road fees and tools, motorhome and recreational vehicle rentals, truck rentals, automobile parking lots and garages unless the merchant has set up such purchases to be classified in the transportation category.

Lodging:
Lodging merchants may include and are not limited to those in the following categories: hotels, motels, smaller establishments like bed & breakfasts, and inns. Please note that hotel accommodations not booked directly with the hotel may or may not qualify; for example, hotel accommodations purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants such as cruise lines and railways. Please note that purchases other than your room bill on the hotel premises will not be included in the hotel accommodations category unless the hotel has set up such purchases to be classified in a hotel category; for example, restaurant or entertainment purchases. Please note that the purchasing of hotel points will not qualify in this category. In addition, lodging like short term rentals of spare rooms, apartments and homes, Timeshares, campgrounds and trailer parks service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the lodging category.