First Tech Federal · Mastercard World · Personal
First Tech Federal Choice Rewards
A no-annual-fee card earning cash back: 2× on 3 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 20,000 ≈ $200 in cash back (our estimate)*
- Top rate
- 2×3 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 20,000 points | $200 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
Bonus terms: 20,000 bonus points when you spend at least $3,000 in the first 60 days1, a $200 value.
Earning structure
4 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Gas Stations | 2× | $2.00 | |
| Groceries | 2× | $2.00 | |
Special NotesAny store that is categorized as "Household Goods". | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard World
- Bank
- First Tech Federal
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- FirstTech Membership
You're within First Tech's field of membership if you meet any one of the following qualifications: Work for one of our 900+ partner companies—like Amazon, Microsoft, Intel and more. Family or household member is already a First Tech member. Work for the State of Oregon. Live or work in Lane County, Oregon. Belong to the Computer History Museum. Belong to the Financial Fitness Association. If you qualify, you'll need to open a savings account to be able to apply for a credit card.
Alternatives
Head to head with similar cards
 First Tech Federal Choice Rewards |  First Tech Federal Platinum Rewards |  First Tech Federal Odyssey Rewards |  Ally Everyday Cash Back | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $75+$75 | $0Same |
| Signup bonus | 20,000 pts | 10,000 pts | 30,000 pts | None |
| Top rate | 2×3 categories | 1×All Other | 3×12 categories | 3×3 categories |
| Travel value * | –Cash back | –Cash back | –Cash back | –Cash back |
| Why it’s here | This card | Also no annual fee | An annual fee within $100 | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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