If you have a large amount of high interest credit card debt, you may want to consider transferring it to a credit card that offers an intro APR on balance transfers for a year or longer, like the Choice Rewards World Mastercard® from First Tech FCU.

The Choice Rewards World Mastercard® from First Tech FCU has an intro APR of 0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening. . After that, an APR of 9.75% - 18.00% (variable) applies. The card also offers a rewards program, and comes with a $0 annual fee and $0 balance transfer fee.

We highlight the pros and cons of the Choice Rewards World Mastercard® from First Tech FCU and show how it compares to similar balance transfer credit cards to help determine if it’s the right fit for you.

• Intro APR on balance transfers

  The Choice Rewards World Mastercard® from First Tech FCU offers an introductory APR of 0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening. . After that, an APR of 9.75% - 18.00% (variable) applies to any unpaid portion of the transferred balance.

• Low ongoing APR

  If you aren’t able to pay off your transferred balance in full within the promotional period, know that you won’t be hit with high interest charges with the Choice Rewards World Mastercard® from First Tech FCU, since the card offers a low ongoing APR of 9.75% - 18.00% (variable).

• Long balance transfer window

  The Choice Rewards World Mastercard® from First Tech FCU comes with a balance transfer window — which is the amount of time you have to transfer your balance and take advantage of the promotional intro APR — of 90 days.

  Typically, issuers require cardholders to make the transfer within the first 60 days of account opening.

• Rewards on every purchase

  Choice Rewards World Mastercard® from First Tech FCU cardholders earn 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases. Additionally, earn Earn 20,000 points when you spend $3,000 in the first 60 days..

  Rewards points can be redeemed for merchandise, gift cards, travel, cash or events and experiences.

  But keep in mind, when you transfer a balance, it’s best to focus on paying off the transferred amount in full before earning rewards — which could ultimately lead to more debt.

• Limited fees

  While the majority of balance transfer credit cards charge balance transfer fees ranging from 3% to 5% of the amount of each transfer, the Choice Rewards World Mastercard® from First Tech FCU is one of the few cards that charges a $0 balance transfer fee.

  The card also comes with a $0 annual fee and a $0 foreign transaction fee.

• No intro APR on purchases

  Because the Choice Rewards World Mastercard® from First Tech FCU does not offer an intro APR on purchases, you will be subject to interest charges at an APR of 9.75% - 18.00% (variable) if you carry a balance on your card from month to month.

  That said, the APR is very reasonable — especially if you qualify for the lowest rate.

• Credit union membership required

  To apply for the Choice Rewards World Mastercard® from First Tech FCU, you must first become a member of First Tech FCU.

  There are a numbers of ways to be eligible for membership, including having a family member or household member who is already a First Tech member, working for (or having a family member who works for an eligible partner company or for the State of Oregon, working or living in Lane County, Oregon, or belonging to the Computer History Museum or Financial Fitness Association.

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Citi^® Double Cash Card – 18 month BT offer

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Citi^® Double Cash Card – 18 month BT offer

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Intro Purchase APR N/A

Regular Purchase APR 16.24% - 26.24% (Variable)

Annual Fee $0

Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.… Read More

Highlights

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Typical Credit Needed

660 850

Show Detailsfor Citi Double Cash Card

If you prefer a rewards credit card with a longer intro APR on balance transfers, you may want to take a look at the Citi® Double Cash Card , from our partner Citi.

The card offers a long intro APR of 0% for 18 months on balance transfers. After that, a regular APR of 16.24% - 26.24% (variable) applies.

Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back can be redeemed as a statement credit, direct deposits or checks, or converted to points.

While the Citi® Double Cash Card comes with a $0 annual fee, there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

The information related to the Choice Rewards World Mastercard® from First Tech FCU and Navy Federal Platinum Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

If you’re in the market for a balance transfer credit card with a solid intro offer, the Choice Rewards World Mastercard® from First Tech FCU could be a good fit. Along with providing an interest-free period on balance transfers for a year, the card charges a $0 balance transfer fee and offers rewards for the purchases you make.

But if you want an even longer intro APR period on balance transfers, check out our list of The Best Balance Transfer Cards. Just know, balance transfer cards offering longer intro APR periods typically assess a balance transfer fee.