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  First Technology FCU Odyssey Rewards World Elite Mastercard
First Technology FCU Odyssey Rewards World Elite Mastercard Claimed

First Technology FCU Odyssey Rewards World Elite Mastercard

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Highlights
Purchase APR  (Variable APR) 9.99% - 18%
(Verified 11/24/2022)
Balance Transfer APR  (Variable APR) 9.99% - 18%
(Verified 11/24/2022)
Credit Score Range 680 - 850
Annual Fee $0 - $75

First Technology FCU Odyssey Rewards World Elite Mastercard Review

This is a rewards card issued by First Tech Federal Credit Union. If you're wondering whether First Tech World Elite Mastercard is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of 30000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. First Technology FCU Odyssey Rewards World Elite Mastercard has a variable purchase APR that ranges from 9.99% up to 18%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $75 for the privilege.
  • Annual fee waived the first year. First Technology FCU Odyssey Rewards World Elite Mastercard gives you the chance to have the card for a year without paying the $0 annual fee.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of First Tech World Elite Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere First Technology FCU Odyssey Rewards World Elite Mastercard is accepted.
  • First Technology FCU Odyssey Rewards World Elite Mastercard reports to multiple credit bureaus.
  • You need good credit to qualify.

First Tech World Elite Mastercard FAQ

Does First Tech World Elite Mastercard have a cash back or rewards program?

First Tech World Elite Mastercard is a rewards card.

First Tech World Elite Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does First Tech World Elite Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 30000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does First Tech World Elite Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the First Tech World Elite Mastercard benefits?

It provides the following benefits:

  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for First Tech World Elite Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

First Technology FCU Odyssey Rewards World Elite Mastercard has a variable purchase APR that ranges from 9.99% up to 18%. The card has a variable balance transfer APR that ranges from 9.99% up to 18%. It also has a variable cash advance APR that ranges from 10.99% up to 18%.

Does First Tech World Elite Mastercard have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

First Technology FCU Odyssey Rewards World Elite Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.99% - 18%
Balance Transfer Fee % 0%

Does First Tech World Elite Mastercard have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for First Tech World Elite Mastercard?

The following fees apply:

First Tech World Elite Mastercard Fees
Fees Amount
Annual Fee Starting at $0 up to $75
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does First Tech World Elite Mastercard have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for First Tech World Elite Mastercard?

The First Tech World Elite Mastercard customer service number is .

What is the First Tech World Elite Mastercard login page?

You can access the First Tech World Elite Mastercard login page here.

How do people rate the customer service and user experience of First Tech World Elite Mastercard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does First Technology FCU Odyssey Rewards World Elite Mastercard report your account activity to credit bureaus?

Yes, First Technology FCU Odyssey Rewards World Elite Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for First Tech World Elite Mastercard

  • Visit the First Tech World Elite Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
Annual Fee $0 - $75
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Restaurants
  • Every Purchase
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 10.99% - 18%
APR Type Variable APR
Balance Computation “average daily balance” (excluding new purchases)
Credit Limit Up to $100,000
Purchase APR (Variable APR) 9.99% - 18%
(Verified 11/24/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.99% - 18%
(Verified 11/24/2022)
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Mastercard

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First Tech Federal Credit Union Credit Cards

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