First Tech Odyssey Rewards™ World Elite Mastercard®
Premium travel rewards without the premium price
Enjoy 3x points on travel and hotels, plus World Elite Mastercard® benefits—all with a $0 intro annual fee.
Odyssey Rewards
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New cardmember offer
30,000 bonus points
That’s $300 in value
Earn 30,000 bonus rewards points when you spend $3,000 in your first 90 days.To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus. Points have no cash value until redeemed. Points can be redeemed for travel or cash back in the form of a statement credit or a transfer to a First Tech Rewards Checking® account. The value of points may be lower depending on redemption method chosen. Credit card account must be in good standing (i.e., not in default, closed, inactive, or otherwise not in good standing) for points redemption.
Apply online in minutes with a simple, secure application and fast decision. Then start using your card right away with instant digital access upon approval.
Travel smarter with premium benefits
Enjoy premium travel perks and rewards without the high annual fees that often come with them.
- 3x points on travel and hotels, 2x on dining (including takeout and delivery), and 1x on all other purchases.First Tech does not have the ability to control how a retailer chooses to classify their business and reserves the right to determine which purchases qualify for Rewards points. Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, or insurance. Points have no cash value until redeemed.
- Unlimited points that never expire, so your rewards are ready to go when you are.To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus. Points have no cash value until redeemed. Points can be redeemed for travel or cash back in the form of a statement credit or a transfer to a First Tech Rewards Checking® account. The value of points may be lower depending on redemption method chosen. Credit card account must be in good standing (i.e., not in default, closed, inactive, or otherwise not in good standing) for points redemption.
- Airport lounge access: Priority Pass membership includes access to 1,800+ airport lounges worldwide.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- 24/7 concierge service: Get help with travel planning, dining reservations, and more—whenever you need it.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
Premium benefits. Lower annual fee.
That’s less than many travel cards, so you can enjoy more perks without the higher cost.
Rewards and benefits
Earn more on travel and enjoy premium perks along the way.
- Travel rewards: 3x points on travel and hotels, 2x on dining (including takeout and delivery), and 1x on all other purchases.First Tech does not have the ability to control how a retailer chooses to classify their business and reserves the right to determine which purchases qualify for Rewards points. Rewards points are not accrued for returned purchases, balance transfers, finance charges, fees, cash advances, purchases of cash or cash equivalents (prepaid debit cards or other stored value/reloadable cards), interest charges, gambling chips, lottery tickets, travelers’ checks, or insurance. Points have no cash value until redeemed.
- Low annual fee: $0 intro annual fee, then $75 after your first year—lower than many travel cards.No application fees, No Balance Transfer fees, No Cash Advance fees, No Foreign Transaction fees, No Minimum Interest Charge. Balance Transfer APR will be the same as your Purchase APR. The Annual Percentage Rate (APR) and Balance Transfer APR will vary with the Prime Rate. Cash Advance APR is 18.00%. The interest rate is based on credit worthiness and credit history. All loans are subject to approval according to the First Tech lending policies. Credit Union membership is required and subject to approval. Rates, terms and conditions subject to change and some restrictions may apply. $0 Annual Fee for the first year, $75 thereafter.
- Unlimited points that never expire, so your rewards are ready to go when you are. To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. Rewards Points will be awarded on the second statement following qualification for the bonus. Points have no cash value until redeemed. Points can be redeemed for travel or cash back in the form of a statement credit or a transfer to a First Tech Rewards Checking® account. The value of points may be lower depending on redemption method chosen. Credit card account must be in good standing (i.e., not in default, closed, inactive, or otherwise not in good standing) for points redemption.
- Airport lounge access: Entry to Priority Pass™ airport lounges worldwide.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits. Enrollment is required. Complimentary membership (a $99 annual value) is included for Odyssey cardholders. Lounge visits may be subject to a per-visit fee and provide access to a more comfortable airport experience, with complimentary food, drinks and amenities.
- Hotel and travel perks: Room upgrades (when available) and exclusive travel and lifestyle offers.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Dining and experiences: Restaurant reservations, sports and entertainment events and curated experiences.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Concierge service: 24/7 help with travel planning, dining reservations, and more.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Member offersCertain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
o Lyft: $5 credit after three rides/month + 10% off airport rides
o Peacock: $3 off monthly subscription
o Instacart: $10 off your second order + 3 free months of Instacart+
Redeem points for travel, cash back, and more—so you can choose what works best for you.
Premium travel service.
Travel with added peace of mind—before, during, and after your trip.Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- 24/7 concierge services
- Travel medical emergency service and travel medical protection
- 24/7 roadside assistance
- Car rental coverage, including coverage for loss of use
- Trip cancellation and trip interruption
- Worldwide automatic travel accident and baggage delay coverage
Learn even more about travel services available to Odyssey Rewards World Elite Mastercard cardholders.
Digital banking
Tools that help you manage your card anytime, anywhere
- Use your card right away with instant digital access at approval and add it to your digital wallet—no need to wait for your physical card.
- Lock or unlock your card instantly for added security and peace of mind.
- Stay on top of your account with the First Tech mobile app—check activity and manage your card in one place.
- Track your rewards easily and view your balance on the go.
- Pay your way with Apple Pay®, Google Pay®, Samsung Pay®, and more.
Security
Feel protected with built-in safeguards and security benefits.
- Mastercard ID Theft Protection™: Monitoring and support to help minimize the impact of identity theft and assist with restoration. Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Mastercard Zero Liability Protection: You won’t be held responsible for unauthorized purchases made in-store, online, by phone, or via mobile device and ATM transactions. Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
- Mastercard Global Assist: Worldwide assistance for lost and stolen cards and emergency cash advance access. Certain terms, conditions, and exclusions apply. Benefits are subject to change without notice. Mastercard benefits are subject to the terms and conditions in the guide to benefits. Call the Mastercard Assistance Center at 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
Learn more about the security benefits available to Odyssey Rewards World Elite Mastercard cardholders.