First Tech Choice Rewards World Mastercard
First Tech Federal Credit Union · Gas review
First Tech members who carry a balance but want to earn on everyday spending without giving up a below-average APR — 2 p
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
Balance transfer fee
None
Per transferred balance
As of July 8, 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
- Balance transfer fee
- None
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 8, 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.
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 whether an honest weakness is 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.
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