First Technology FCU Odyssey Rewards World Elite Mastercard

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

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%.

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 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.