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. Signup bonus: 30,000 bonus points when you spend $3,000 in your first 90 days. Rewards: 3x points on travel and hotels, 2x points on dining (including takeout and delivery), 1x points on all other purchases; points never expire; Priority Pass airport lounge access.