The First Tech FCU Choice Rewards World Master is a personal credit card from First Tech FCU Choice Rewards World Master. The annual fee is $0. The ongoing APR is Approximately 18.24%–28.24% variable. after a 0% introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Earn 2× points on everyday categories (gas, groceries, household goods, telecom, etc.) and 1× on others. Plus, a one-time bonus of 20,000 points (worth ~$200) after spending $3,000 in the first 60 days.. This product reports activity to your personal credit report. Ideal for combining an extended 0% APR runway across purchases and transfers with strong rewards and no annual fee—especially for everyday spending. Farmers Insurance Federal Credit Union (FIGFCU) Crystal Visa Credit Card. BT Fee: 5% of each transfer, with a $5 minimum.. Post-intro APR: Approximately 18.24%–28.24% variable. Accessible via FFA membership ($8/year, Financial Fitness Association).