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Intro Purchase APR
N/A
Regular Purchase APR
13% to 18.00%
Intro BT APR
0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening.
Regular BT APR
13% to 18.00%
Annual Fee
$0
Cash Advance Fee
$0
Foreign Transaction Fee
$0
Balance Transfer Fee
$0
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®.
The Choice Rewards World Mastercard® 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 13% to 18.00% 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® 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® 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 13% to 18.00% 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®, since the card offers a low ongoing APR of 13% to 18.00%.
Long balance transfer window
The Choice Rewards World Mastercard® 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® cardholders earn 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on everything else. Additionally, earn 20,000 bonus points for spending at least $3,000 in 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® 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® does not offer an intro APR on purchases, you will be subject to interest charges at an APR of 13% to 18.00% 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®, 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.
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 19.24% - 29.24% (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.
| Credit Cards | Our Ratings | Annual Fee | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Welcome Offer | Rewards Rate | Intro Purchase APR | Regular APR | Recommended Credit | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Choice Rewards World Mastercard®
|
$0 | 0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening. | 13% to 18.00% | $0 | 20,000 bonus points for spending at least $3,000 in first 60 days. | 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on everything else | N/A | 13% to 18.00% | Excellent/Good | ||
Citi® Double Cash Card – 18 month BT offer
 Apply Now
on Citibank's secure site Rates & Fees |
$0 | 0% for 18 months on Balance Transfers | 19.24% - 29.24% (Variable) | 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. | None | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. | N/A | 19.24% - 29.24% (Variable) | Excellent/Good/Fair |
Apply Now
on Citibank's secure site Rates & Fees |
|
|
Navy Federal Platinum Credit Card
|
$0 | 0.99% introductory APR for 12 months* *Applies to balance transfers requested within 60 days of account opening | 10.99% to 18.00% | $0 | No bonus | No rewards | N/A | 10.99% to 18.00% | Excellent/Good/Fair | ||
Bank of America® Unlimited Cash Rewards credit card
Apply Now
on Bank Of America's secure site |
N/A | $0 | 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days | 18.24% - 28.24% Variable APR on balance transfers | 3% of the amount of each transaction. | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 1.5% cash back on all purchases | 0% Intro APR for 15 billing cycles for purchases | 18.24% - 28.24% Variable APR | Excellent/Good |
Apply Now
on Bank Of America's secure site |
The information related to the Choice Rewards World Mastercard® 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® 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.
The information related to the Choice Rewards World Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
