The First Tech Federal Credit Union is a personal credit card from First Tech Federal Credit Union. The annual fee is $0 for the first year, then $75 annually. The ongoing APR is 10.49% to 18.00% variable, based on creditworthiness (disclosure accurate as of 10/01/2026) after a No introductory APR introductory rate. Signup bonus: 30,000 bonus rewards points when you spend $3,000 in your first 90 days. Rewards: 3x points on travel and hotels, 2x on dining (including takeout and delivery), and 1x on all other purchases; points never expire. Cash back: 1.00% cash back on all posted First Tech credit card purchases, up to $30 per month. Loan terms: Revolving credit card; due date at least 21 days after each billing cycle closes; no interest on purchases if the full balance is paid by the due date; minimum payment 2% of the balance or $25, whichever is greater (full balance if under $25). This product reports activity to your personal credit report. Pulls Experian. Open to tech industry employees and association members. Accessible via FFA membership ($8/year, Financial Fitness Association).