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  First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card

First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card

in Personal Credit Cards from First Technology Federal Credit Union

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First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card

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in Personal Credit Cards from First Technology Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 6.99% - 18%
Balance Transfer APR  (Variable APR) 6.99% - 18%
Credit Score Range 680 - 850
Annual Fee Up to $75

First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card Review

This is a rewards credit card issued by First Technology Federal Credit Union. If you're wondering whether First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

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 Credit Card has a variable purchase APR that ranges from 6.99% up to 18%.
  • $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 Technology FCU Odyssey Rewards World Elite Mastercard Credit Card
The Good The Bad
  • 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 Credit Card is accepted.
  • First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card FAQ

Does First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card have a cash back or rewards program?

First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card is a rewards card.

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

Does First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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 Technology FCU Odyssey Rewards World Elite Mastercard Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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 Technology FCU Odyssey Rewards World Elite Mastercard Credit Card?

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

It has a variable purchase APR that ranges from 6.99% up to 18%. The card has a variable balance transfer APR that ranges from 6.99% up to 18%. It also has a variable cash advance APR that ranges from 9% up to 18%.

Does First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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 Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 6.99% - 18%
Balance Transfer Fee % 0%

Does First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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 Technology FCU Odyssey Rewards World Elite Mastercard Credit Card?

The following fees apply:

First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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.

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

Yes, First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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 Technology FCU Odyssey Rewards World Elite Mastercard Credit Card

  • Visit the First Technology FCU Odyssey Rewards World Elite Mastercard Credit Card 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.

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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.

Contact

  • Headquarters
  •   19960 Stevens Creek Boulevard
    Cupertino, CA 95014
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 1:00pm

Other Services by First Technology Federal Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Restaurants (Points) 2
Every Purchase (Points) earn rewards points for every dollar spent. 2x Rewards Points—earn 2 points for every dollar spent on dining, including takeout and delivery.
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Annual Fee Up to $75
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Cellular Telephone Protection
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
  • Restaurants
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 9% - 18%
Balance Computation “average daily balance” (excluding new purchases)
Purchase APR (Variable APR) 6.99% - 18%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 6.99% - 18%
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Mastercard

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