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.

• 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.

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.

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

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%.

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 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.