11.75%–18.00% variable APR with 2x points on everyday spending — low rate plus rewards, no annual fee.
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Good credit — First Tech membership required; open to employees of 1,700+ partner companies and participating communities
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Tech-company employees and their families who carry a balance but want to earn rewards on everyday spending without sacrificing a meaningfully below-average APR.
The First Tech Choice Rewards World Mastercard has no annual fee and no balance transfer fee. The variable purchase and balance transfer APR is 11.75%–18.00%, based on creditworthiness and the U.S. Prime Rate. The card earns 2 points per $1 on qualifying gas, grocery, and household goods purchases, and 1 point per $1 on all other eligible purchases. First Tech Federal Credit Union membership required.
| Year 1 value | Ongoing value |
|---|---|
| 2x points on gas/groceries/household, 1x other; 11.75%–18.00% variable APR; no annual fee; no BT fee | 2x points on gas/groceries/household, 1x other; 11.75%–18.00% variable APR; no annual fee; no BT fee; points redeemable for cash, travel, or merchandise |
| Verify current APR range, rewards categories, and redemption options at firsttechfed.com before applying | |
First Tech Choice Rewards World Mastercard — 11.75%–18.00% variable APR with 2x points on everyday spending — low rate plus rewards, no annual fee. Best for: Tech-company employees and their families who carry a balance but want to earn rewards on everyday spending without sacrificing a meaningfully below-average APR.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
As disclosed by First Technology Federal Credit Union at firsttechfed.com (verified June 11, 2026), the Choice Rewards World Mastercard's purchase APR is 11.75%–18.00% variable, based on creditworthiness and the U.S. Prime Rate. The balance transfer APR is the same as the purchase APR. No balance transfer fee applies. First Tech is a federally chartered credit union capped at 18.00% APR under the Federal Credit Union Act — the ceiling is structurally fixed regardless of credit profile. Confirm the current range at firsttechfed.com/rates/credit-cards before applying.
As First Tech discloses in its footnotes (verified June 11, 2026), qualifying household goods MCCs include drapery/upholstery stores (5714), miscellaneous home furnishing shops (5719), and household appliance stores (5722). Purchases at general retailers, warehouse clubs, discount stores, or superstores that don't transmit a qualifying MCC do not earn 2x — only 1x. Gas stations and grocery stores with qualifying MCCs earn 2x; those that process under a non-qualifying code earn 1x. First Tech, not the cardholder, determines category qualification based on merchant-submitted MCCs.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The First Tech Choice Rewards World Mastercard is issued and operated by First Technology Federal Credit Union. APRs, fees, rewards rates, and terms are determined solely by First Tech and may change — verify current terms at firsttechfed.com before applying.
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Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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