First Tech FCU
Choice Rewards
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Card review
Choice Rewards
First Tech FCU
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$200/yr
Credit score
Varies
Top earn rate
2x groceries
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Choice Rewards from First Tech FCU carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $200.16 in rewards plus $0.00 in credits and perks — $200.16 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| GroceriesGroceries | 2× |
| GasGas | 2× |
| Everything else Telecommunications | 2× |
| Everything elseMedical | 2× |
| Everything elseElectronics | 2× |
| Everything elseHousehold Goods | 2× |
| Everything elseAll Purchases | 1× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.