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ClearValue Cards

First Tech Choice Rewards World Mastercard

First Tech Federal Credit Union · Gas review

Scored against ClearValue's published methodology · Schumer Box terms as of
Best for First Tech members who carry a balance b
First Tech Federal Credit Union
Solid pick

First Tech Choice Rewards World Mastercard

80
/100
Annual fee
$0
Ongoing APR
11.75–18.00%
Foreign txn fee
None
Best for

First Tech members who carry a balance but want to earn on everyday spending without giving up a below-average APR — 2 p

Fees sourced from issuer terms · 2026-07-18

ClearValue score
80/100
Solid pick

First Tech members who carry a balance but want to earn on everyday spending without giving up a below-average APR — 2 p

Find my match

Sorted by score, never commission

Annual fee

$0

No annual fee, every year

Ongoing APR

11.75% – 18.00% variable

Variable — verify the current range at the issuer

Foreign transaction fee

None

Travel-friendly abroad

As of July 18, 2026

Best for

First Tech members who carry a balance but want to earn on everyday spending without giving up a below-average APR — 2 points per $1 on gas, groceries, and household goods, 1x elsewhere, at an 11.75%–18.00% variable APR with no annual fee and no balance transfer fee.

Not for

Applicants who can't meet First Tech membership eligibility and pure rate-minimizers — the First Tech Platinum (10.49%) and Navy Federal Platinum (10.24%) have lower floors if you don't need rewards.

The catch

The 2x rate applies only to merchants transmitting a qualifying gas, grocery, or household-goods merchant code — First Tech's category interpretation, not yours. There's no 0% intro period, so the value is in the combination of a sub-12% floor plus everyday-category points.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$0
Ongoing APR
11.75% – 18.00% variable
Foreign transaction fee
None
Balance transfer fee
None
Schumer Box sourced
July 18, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate14 / 20
Fee structure19 / 20
Audience fit15 / 20
Transparency and trust16 / 20
The weakness, named16 / 20
Total80 / 100 · Solid pick
Card alerts

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Frequently asked

Does the First Tech Choice Rewards World Mastercard charge an annual fee?

No. The First Tech Choice Rewards World Mastercard carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 18, 2026. Rates change — confirm the current terms at the issuer.

What APR does the First Tech Choice Rewards World Mastercard charge?

11.75% – 18.00% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the First Tech Choice Rewards World Mastercard charge foreign transaction fees?

No. The First Tech Choice Rewards World Mastercard has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the First Tech Choice Rewards World Mastercard best for?

First Tech members who carry a balance but want to earn on everyday spending without giving up a below-average APR — 2 points per $1 on gas, groceries, and household goods, 1x elsewhere, at an 11.75%–18.00% variable APR with no annual fee and no balance transfer fee.

Who should skip the First Tech Choice Rewards World Mastercard?

Applicants who can't meet First Tech membership eligibility and pure rate-minimizers — the First Tech Platinum (10.49%) and Navy Federal Platinum (10.24%) have lower floors if you don't need rewards.

How did ClearValue score the First Tech Choice Rewards World Mastercard?

First Tech Choice Rewards World Mastercard scored 80/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the First Tech Choice Rewards World Mastercard

Other gas cards we've scored, ranked by our methodology.

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
First Tech Choice Rewards World Mastercard
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