Choice Rewards World Mastercard® from First Technology Federal Credit Union Review

All benefits

• Points
  • 2x On groceries, gas, electronics, medical, household goods and telecommunications.
  • 1x On all other purchases.
• Travel
  • MasterRental Coverage:
  • Mastercard car rental insurance covers your rental vehicle against physical damage and theft.
  • Lost or Damaged Luggage:
  • Reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged.
  • Trip Cancellation:
  • If you're unable to take a trip due to an unforeseeable event, a trip cancellation policy will reimburse you for your prepaid, forfeited and non-refundable costs.
  • Master RoadAssist®:
  • A roadside assistance plan helps schedule and pay for emergency roadside services if you're stranded on the side of the road.
  • Mastercard Travel & Lifestyle Services:
  • As a World Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more.
  • Mastercard Airport Concierge™:
  • Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year.
  • Baggage Delay:
  • Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler’s luggage is delayed for a specified period of time.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 13.50% - 18.00% Variable
• Intro Balance Transfer APR
  • 0% Introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening
• Balance Transfers APR
  • 13.50% - 18.00% Variable
• APR for Cash Advances
  • 13.50% - 18.00% Variable
• How to Avoid Paying Interest
  • Your due date is at least 21 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances and transfers as of the transaction date.

Fees

Pros & Cons

Features

• Low interest
• No Annual Fee
• No foreign transaction fees
• Rewards
• Bonus points
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Good Credit
• Excellent Credit