Choice Rewards World Mastercard®
First Tech Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Tech Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Choice Rewards World Mastercard® from First Tech Federal Credit Union earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get 20,000 bonus points when you spend at least $3,000 in your first 60 days.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
What does the Choice Rewards World Mastercard earn in each category?
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Choice Rewards World Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries.
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Choice Rewards World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 2x points | 2% Top category |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values First Tech points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Choice Rewards World Mastercard?
The Choice Rewards World Mastercard fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Choice Rewards World Mastercard fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 69% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2% effective (2x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- First Tech points value depends on how you redeem, not straight cash back.
What is the Choice Rewards World Mastercard welcome bonus?
In Madeen's catalog snapshot, the Choice Rewards World Mastercard welcome offer is Get 20,000 bonus points when you spend at least $3,000 in your first 60 days. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 20k First Tech points (~$200 estimated)
- Terms (catalog snapshot)
- Get 20,000 bonus points when you spend at least $3,000 in your first 60 days
- Minimum spend
- $3,000
- Window
- 60Days
Does the Choice Rewards World Mastercard have an annual fee?
The Choice Rewards World Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Choice Rewards World Mastercard?
The Choice Rewards World Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Protection
$10,000/yrUp to $1,000 per eligible purchase within 90 days of the purchase date. Maximum of $25,000 in coverage per year.
Trip Delay Protection
$5,000/yrUp to $1,500 per trip. Maximum coverage of $5,000 per year.
Lost Luggage Protection
$3,000/yrUp to $1,500 per trip when your luggage is damaged or lost by the carrier. Maximum of 2 claims per 12-month period.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Rental Insurance
$25/yrCoverage for damage to or theft of a rental vehicle. Must decline the collision damage waiver (CDW) at the counter. Coverage is secondary to personal insurance.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Related encyclopedia topics
Common questions about the Choice Rewards World Mastercard
Where do cardholders spend most with the Choice Rewards World Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), electronics (2x), medical dental care (2x) for the Choice Rewards World Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Choice Rewards World Mastercard have an annual fee?
The Choice Rewards World Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Choice Rewards World Mastercard?
Grocery is the strongest Madeen category for the Choice Rewards World Mastercard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Choice Rewards World Mastercard charge foreign transaction fees?
The Choice Rewards World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Choice Rewards World Mastercard welcome bonus?
The Choice Rewards World Mastercard welcome offer in our snapshot: Get 20,000 bonus points when you spend at least $3,000 in your first 60 days. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Choice Rewards World Mastercard?
Madeen's catalog lists a typical credit range of Good for the Choice Rewards World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Choice Rewards World Mastercard compare to similar cards?
Compare the Choice Rewards World Mastercard against Odyssey Rewards™ World Elite Mastercard (2% on Dining, $75 fee); First Tech The Platinum Rewards Mastercard (1% on Dining, $0 fee); First Tech The Platinum Mastercard (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Choice Rewards World Mastercard This card | Grocery | 2% | $0 |
First Tech Federal Credit Union | Dining | 2% | $75 |
First Tech Federal Credit Union | Dining | 1% | $0 |
First Tech Federal Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
Related Madeen guides
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
First Tech Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Tech Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure