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
20,000
≈$200 value
Spend Requirement
$3,000
in 2 months
Annual Fee
$0
No FTF
Credit Score
Good
to excellent (670+)
Current offer note: Public offer confirmed unchanged: 20,000 points (worth $200) after $3,000 in 60 days
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 |
|---|---|---|---|---|
| 2026-10-12 | 20,000 | $3,000 in 2 mo | Terms reconfirmedPublic offer confirmed unchanged: 20,000 points (worth $200) after $3,000 in 60 days | First Tech Choice Rewards World Mastercard product page → |
| 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 ledger- changed
20,000 points after $3,000 in 60 days, 2x on gas, groceries and household essentials, and no annual, foreign, balance transfer or cash advance fees confirmed; the cell phone protection claim is not on the page and was replaced with ID Theft Protection, and a merger note was added.
Fields: benefits, cons, ourTake
First Tech Choice Rewards World Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
Earning Rates
- 2xEveryday purchases including gas, groceries, and household goods
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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
- ✦Mastercard ID Theft Protection plus World Mastercard partner savings
- ✦Points redeem for travel, cash back, gift cards, and merchandise
- ✦Extra 1% cash back on monthly card spending, up to $30, when paired with First Tech Rewards Checking and Savings
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, a participating community, or joining a participating organization
- −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 a participating organization during the application solves it for non-tech workers. First Tech has merged with DCU and now runs the two as divisions of one credit union. A keeper card for credit union loyalists.
Rate this card
Be the first to rate it
Commentson Choice Rewards
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.