Pros & cons
Pros
- High earn rate on purchases.
- Multiple ways to redeem your points.
- 9 types of insurance, including travel insurance for seniors.
Cons
- $120 annual fee.
- $50,000 personal or $80,000 household income requirements.
Your rewards
Getting your welcome bonus
Based on $3,000 in monthly spending, you can get up to 10,000 points which translates to an estimated $100.◊
For all welcome bonus details click here.
Welcome bonus offer ends Jun 30, 2026.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With 1st Choice Savings World Mastercard, here's how you earn rewards:
- 3 points per $1 spent on groceries
- 2 points per $1 spent on dining and entertainment
- 1 point per $1 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For 1st Choice Savings World Mastercard in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $513 | |
| Travel | $513 | |
| Gift Cards | $426 |
Calculating your annual rewards
$36,000 annual spending x 1.43% return on spending = $513 annual rewards
$513 annual rewards − $120.00 annual fee = $393 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- $50,000
- Household Income
- $80,000
- Annual Fee
- $120.00
- First Year Free
- Yes
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 20.99%
- Cash Advance
- 22.99%
- Balance Transfer
- 22.99%
- Balance Transfer
- 0.00%
- Transfer Term
- 12 months
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
- Emergency Medical Term
- 60 Days
- Emergency Medical Maximum Coverage
- $5,000,000
- Emergency Medical over 65
- 10 Days
- Trip Cancellation
- $2,000
- Trip Interruption
- $25,000
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $1,000
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
1st Choice Savings World Mastercard's 4.7 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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