First Tech Choice Rewards World Mastercard
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: 20,000 points 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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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
- ✦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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