First Tech FCU Choice Rewards World Master — First Tech Federal Credit Union is a personal credit card from First Tech Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 11.75%-18.00% variable (Prime-based). Approval typically requires a credit score of Good (670+) or higher. Rewards: 2x points on gas, groceries and household essentials (= 2% cash back); 1x points on everything else (= 1%); unlimited points that never expire. 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).