Yes, the First Tech Choice Rewards card has a grace period of at least 21, lasting from the end of each billing cycle until the payment due date. If cardholders pay their First Tech Choice Rewards card statement balance in full every month, First Tech Federal Credit Union will not charge any interest.

Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining First Tech Choice Rewards card balance and any new purchases will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.

It's also important to note that grace periods do not apply to cash advances or balance transfers.

Yes, the First Tech Choice Rewards card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.

The First Tech Choice Rewards card is meant for people with good credit or...

The First Tech Choice Rewards card mainly uses Experian for approval. So, before applying for the card, make sure that there is no freeze on your Experian credit report.

After approval, your First Tech Choice Rewards card activity will be reported to all three major credit bureaus: Experian, TransUnion and Equifax.

First Tech Choice Rewards does not have any transfer partners, as it is one of many credit cards on the market that do not allow you to transfer rewards to another company's loyalty program. First Tech Choice Rewards points are redeemable for travel, merchandise, events, experiences, gift cards or cash.

Check out WalletHub's comparison of the best credit card points programs to see which issuers utilize transfer partners.

No, the First Tech Choice Rewards card does not offer roadside assistance. The First Tech Choice Rewards card has never offered a roadside assistance benefit, though you may be eligible for roadside assistance through alternate sources, like your auto insurance company, an auto club such as AAA, or your vehicle's manufacturer.

For more information, check out WalletHub's picks for the best roadside assistance plans of 2024.

No, the First Tech Choice Rewards World Mastercard® does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as time goes on, however, as many issuers have dropped it to cut costs.

If return protection is important to you, there are still a few good cards...

You cannot get a virtual credit card number for your First Tech Choice Rewards card through First Tech Federal Credit Union because it does not offer this service. You can, however, get a virtual card number for your First Tech Choice Rewards card through Click to Pay instead.

To enroll in Click to Pay with a First Tech Choice Rewards card, go to the Click to Pay website and click the “Enroll now” button. You can also just click the square icon with...

Yes, the First Tech Choice Rewards does have travel insurance benefits, the best of which are travel accident insurance and baggage delay insurance. To be eligible to file a travel insurance claim, you'll need to pay for your travel using your First Tech Choice Rewards Card.

Types of First Tech Choice Rewards Travel Insurance

• Trip cancellation/interruption insurance: This benefit covers you against unforeseen cancellations or interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
• Baggage delay insurance: If your baggage arrives over 4 hours late to your destination, you're covered for essentials that you purchase because of the delay.
• Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $1,500.
• Travel accident insurance: This insurance covers you in the event of death or dismemberment during transit.
• Rental car insurance: This benefit covers you against damage to the rental vehicle that results from a collision or theft.
• Emergency medical and dental insurance: This coverage will pay up to USD $2,500 for emergency medical care or dental work during your trip.

Exclusions and coverage limits apply to many of these benefits, so make sure to check your First Tech Choice Rewards's guide to benefits for more details on each type of insurance.

The best First Tech Choice Rewards Card benefits are rental car insurance and travel accident insurance. The First Tech Choice Rewards World Mastercard® also has ID theft protection and travel and emergency assistance services, which are more common perks across First Tech Federal Credit Union credit cards.

First Tech Choice Rewards Card Benefits

• Rental car insurance
• Travel accident insurance
• ID theft protection
• Travel and emergency assistance services
• Lost or damaged luggage reimbursement
• Purchase assurance
• Trip cancellation insurance
...

The First Tech Choice Rewards World Mastercard® offers rental car insurance as a free benefit. First Tech Choice Rewards rental car insurance covers damage or theft of the vehicle, loss of use and towing charges. Cardholders are covered up to the actual repair amount, wholesale market value or the rental agency's purchase invoice less salvage and depreciation. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with a First Tech Choice Rewards credit card or points.

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