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Debt Consolidation

Everyday Use

Low APR

No Annual Fee

Secured

Travel

As low as 6.99% APR

Earn premium rewards for travel and dining
Take advantage of dedicated World Elite Mastercard Global Concierge services Coverage and benefits are determined by the terms, conditions, and exclusions of the Policies applicable to your Card, as specified by First Tech and the Mastercard® Guide to Benefits.
A great card if you typically make monthly purchases of $3,000 or more and pay off your balances
Annual Fee: first year free, then $75 annual fee thereafter

As low as 8.25% APR

Earn double Rewards Points on every day purchasesFirst Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. 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, insurance charges or unauthorized charges are not eligible for Rewards Points. See Card FAQs for more information about reward categories.
Appreciate a high value card with low rates and no annual fee
Enjoy card benefits like purchase assurance and moreCoverage and benefits are determined by the terms, conditions, and exclusions of the Policies applicable to your Card, as specified by First Tech and the Mastercard® Guide to Benefits.
Annual Fee: $0

As low as 7.99% APR

Earn Rewards Points for every dollar spentFirst Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. 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, insurance charges or unauthorized charges are not eligible for Rewards Points. See Card FAQs for more information about reward categories.
Keep more money in your pocket with low rates and no annual fee
Redeem your rewards points for travel, merchandise and charitable donationsCoverage and benefits are determined by the terms, conditions, and exclusions of the Policies applicable to your Card, as specified by First Tech and the Mastercard® Guide to Benefits.
Annual Fee: $0

As low as 6.99% APR

As low as 9.00% APR

A great card if you want to build your credit
The perfect choice if you have limited credit history or have had financial challenges
Earn Rewards Points for every dollar spentFirst Tech does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for Rewards Points. 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, insurance charges or unauthorized charges are not eligible for Rewards Points. See Card FAQs for more information about reward categories.
Annual Fee: $0

	Odyssey Rewards Mastercard	Choice Rewards Mastercard	Platinum Rewards Mastercard	Platinum Mastercard
Initial rate	As low as 6.99% APR	As low as 8.25% APR	As low as 7.99% APR	As low as 6.99% APR
Rewards points	Earn 3 points on travel Earn 2 points on dining Earn 1 point on all other purchases	Earn 2 points on gas, grocery, household goods, electronics and telecom purchases Earn 1 point on all other purchases	Earn 1 point for every $1 purchased
Rewards redemption options	Merchandise Travel Charitable donations Gift card Cash	Merchandise Travel Charitable donations Gift card Cash	Merchandise Travel Charitable donations Gift card
Annual fee	First year free, then $75 annual fee thereafter	$0	$0	$0
Foreign transaction fee	$0	$0	$0	$0
Balance transfer fee	$0	$0	$0	$0
Cash advance fee	$0	$0	$0	$0
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