Get 20,000 Bonus Rewards Points1 when you spend $3,000 in the first 60 days.

Earn 2x Rewards Points2 for every $1 spent on groceries, gas, electronics, medical, household goods, phone and internet… and 1x Reward Point per $1 spent on everything else!

Enjoy a 0.00% introductory APR on balance transfers for 12 billing cycles from the date of each transfer, 12.24% to 8.00% APR thereafter.3

Rate as low as 12.24% APR.4

No annual fee, no balance transfer fee, cash advance fee, or foreign transaction fee.


We get it! You want: More rewards Low rate Less fees


Choice Rewards
World MasterCard®4
CapitalOne
QuickSilver®
Rewards5
Amex EveryDay
credit card5
Discover it® Card5
APR Range 12.24% to 18.00% 16.24% to 26.24% 15.24% to 26.24% 14.24% to 25.24%
No annual fee
No cash
advance fee
No foreign
transaction fee
No balance
transfer fee

The First Tech Advantage

  • Completely control your card with industry-leading mobile app
  • Flexible redemption options including travel, merchandise, events and activities, charitable donations, gift cards, and cash
  • Chip and PIN security
  • 24/7 fraud monitoring
  • Identity theft protection
  • Email and text fraud alerts

Apply Now

1 To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus.

2 First Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. Returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, insurance charges or unauthorized charges are not eligible for Rewards Points. See Card FAQs for more information about reward categories.

3 Balance transfer introductory APR of 0.00% is good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR between 12.24% to 18.00%. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.

4 APR equals Annual Percentage Rate. All loans are subject to credit approval. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply.

5 Comparison based on competitor data compiled on July 30th 2019 from company websites including https://www.capitalone.com/credit-cards/quicksilver/, https://www.americanexpress.com/us/credit-cards/card/amex-everyday/, and https://www.discover.com/credit-cards/cash-back/it-card.html.