First Tech Choice Rewards World Mastercard
By Alex Compton · Last verified
2x on everyday spending with no annual fee and none of the usual junk fees.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
Good
to excellent (670+)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 20,000 | $3,000 in 2 mo | Terms reconfirmed20,000 points after $3,000 in 60 days | Archive record · no attached snapshot |
| 2025-06 | 20,000 | $3,000 in 2 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xEveryday purchases including gas, groceries, and household goods
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦20,000 point bonus worth about $200 after $3,000 in 60 days
- ✦No annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee
- ✦2x points on gas, groceries, and household essentials
- ✦World Mastercard benefits including cell phone protection
- ✦Points redeem for travel, cash back, gift cards, and merchandise
Why it earns its spot
- +Strong everyday earn rate for a no-fee credit union card
- +The no-fee list covers categories big banks always charge for
- +Solid welcome bonus by credit union standards
Where it costs you
- −Membership required, via tech employment or joining a partner association
- −Point redemptions average about a cent and travel options are basic
- −2x category definitions are narrower than they sound
The Compound Verdict
First Tech quietly offers one of the better no-fee earning structures in the credit union world: 2x where most people actually spend, a real 20,000 point bonus, and zero fees of any consequence. Membership is the only hurdle, and joining the Computer History Museum or Financial Fitness Association solves it for non-tech workers. A keeper card for credit union loyalists.
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