Choose Your Card
- 1.5% cashback on all purchases
- No annual fee ever
- 0% intro APR for 12 months on balance transfers
- No foreign transaction fees
- Free FICO score access
- 2X points on dining and travel
- 1X points on everything else
- No annual fee
- Points never expire
- Redeem for travel, gift cards, or cashback
- Our lowest ongoing rate
- Great for carrying a balance
- 0% intro APR for 15 months
- No annual fee
- Free credit score monitoring
Zero Fraud Liability
Never pay for unauthorized charges
No Annual Fees
Keep more money in your pocket
Instant Approval
Know your decision in seconds
0% Intro APR
On purchases and balance transfers
0% Intro APR Balance Transfers
Transfer your high-interest credit card balances and pay no interest for up to 15 months. Save money and pay down debt faster.
- 0% intro APR for up to 15 months
- 3% balance transfer fee (min $5)
- No annual fee
Every Card Includes
All First Tech credit cards come with these valuable features at no extra cost.
Sample Annual Rewards
Based on $2,000/month spending ($24,000/year)
Frequently Asked Questions
How do I earn rewards?
Rewards are automatically earned on qualifying purchases. Points and cashback are credited to your account monthly.
Can I have multiple cards?
Yes! Many members have both a rewards card for everyday spending and a low-rate card for larger purchases they plan to pay over time.
How do I redeem rewards?
Log into online banking to redeem for statement credits, direct deposits, gift cards, or travel bookings. No minimum redemption required.
Is there a credit limit?
Credit limits are based on your creditworthiness and typically range from $500 to $50,000+. You can request an increase after 6 months.
Ready to get started?
Join over 600,000 members who trust First Tech with their financial future.