How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Intro Purchase APR
N/A
Regular Purchase APR
13.00% to 18.00% APR
Intro BT APR
N/A
Regular BT APR
13.00% to 18.00% APR
Annual Fee
$0
Cash Advance Fee
$0
Foreign Transaction Fee
$0
Balance Transfer Fee
$0
If you have a large amount of high-interest credit card debt, you may want to consider transferring it to a card that doesn’t charge a balance transfer fee, like the First Tech Choice Rewards World Mastercard®. The card also offers a rewards program and comes with a $0 annual fee.
We highlight the pros and cons of the First Tech Choice Rewards World Mastercard® and show how it compares to similar balance transfer credit cards to help determine if it’s the right fit for you.
Low ongoing APR
With the First Tech Choice Rewards World Mastercard®, you’ll get a low ongoing 13.00% to 18.00% APR.
Long balance transfer window
The First Tech Choice Rewards World Mastercard® comes with a balance transfer window — which is the amount of time you have to transfer your balance — of 90 days. Typically, issuers require cardholders to make the transfer within the first 60 days of account opening.
Rewards on every purchase
First Tech Choice Rewards World Mastercard® cardholders earn 2 points per $1 spent on everyday purchases, including gas, groceries, and household goods. Earn 1 point per $1 spent on all other eligible purchases. Additionally, earn 20,000 bonus points when you spend at least $3,000 in the first 60 days..
Rewards points can be redeemed for merchandise, gift cards, travel, cash or events and experiences.
But keep in mind, when you transfer a balance, it’s best to focus on paying off the transferred amount in full before earning rewards — which could ultimately lead to more debt.
Limited fees
While the majority of balance transfer credit cards charge balance transfer fees ranging from 3% to 5% of the amount of each transfer, the First Tech Choice Rewards World Mastercard® is one of the few cards that charges a $0 balance transfer fee.
The card also comes with a $0 annual fee and a $0 foreign transaction fee.
No intro APR on purchases or balance transfers
Because the First Tech Choice Rewards World Mastercard® does not offer an intro APR on purchases or balance transfers, you will be subject to interest charges at a 13.00% to 18.00% APR if you carry a balance on your card from month to month.
That said, the APR is very reasonable — especially if you qualify for the lowest rate.
Credit union membership required
To apply for the First Tech Choice Rewards World Mastercard®, you must first become a member of First Tech FCU.
There are a numbers of ways to be eligible for membership, including having a family member or household member who is already a First Tech member, working for (or having a family member who works for an eligible partner company or for the State of Oregon, working or living in Lane County, Oregon, or belonging to the Computer History Museum or Financial Fitness Association.
If you prefer a rewards credit card with a long intro APR on balance transfers, you may want to take a look at the Citi Double Cash® Card, from our partner Citi.
The card offers an intro APR of 0% intro apr for 18 months on balance transfers. After that, a regular APR of 18.49% - 28.49% (variable) applies.
Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Cash back can be redeemed as a statement credit, direct deposits or checks, or converted to points.
While the Citi Double Cash® Card comes with a $0 annual fee, there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
| Credit Cards | Our Ratings | Annual Fee | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Welcome Offer | Rewards Rate | Intro Purchase APR | Regular APR | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
First Tech Choice Rewards World Mastercard®*
|
$0 | N/A | 13.00% to 18.00% APR | $0 | 20,000 bonus points when you spend at least $3,000 in the first 60 days. | Earn 2 points per $1 spent on everyday purchases, including gas, groceries, and household goods. Earn 1 point per $1 spent on all other eligible purchases. | N/A | 13.00% to 18.00% APR | Good / Excellent | ||
Citi Double Cash® Card*
|
$0 | 0% intro APR for 18 months on Balance Transfers | 18.49% - 28.49% (Variable) | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. | N/A | 18.49% - 28.49% (Variable) | Fair / Good / Excellent | ||
Navy Federal Platinum Credit Card*
|
$0 | 0.99% introductory APR for 12 months for balance transfers requested within 60 days of account opening | 11.49% to 18.00% (variable) | $0 | N/A | N/A | N/A | 11.49% to 18.00% (variable) | Fair / Good / Excellent | ||
Bank of America® Unlimited Cash Rewards credit card*
|
$0 | 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days | 18.74% - 28.74% Variable APR on balance transfers | 3% for 60 days from account opening, then 4% | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 1.5% cash back on all purchases. | 0% Intro APR for 15 billing cycles for purchases | 18.74% - 28.74% Variable APR | Good / Excellent |
If you’re in the market for a balance transfer credit card with no balance transfer fee, the First Tech Choice Rewards World Mastercard® is a solid choice — especially when you consider the low ongoing APR, rewards program and $0 annual fee.
But if you want an intro APR period on balance transfers, check out our list of The Best Balance Transfer Cards. Just know, balance transfer cards offering longer intro APR periods typically assess a balance transfer fee.
The information related to the First Tech Choice Rewards World Mastercard®, Citi Double Cash® Card, Navy Federal Platinum Credit Card and Bank of America® Unlimited Cash Rewards credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
