Why do so many people choose a First Tech Mastercard®?

Maybe it's because First Tech has a card for everyone.

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Choice Rewards World Mastercard®

The everyday heavy hitter.

Do you use your credit card for routine purchases, like gas and groceries? This Choice is yours.

Get 0.00% APR on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cardsAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..
Get 20,000 bonus points when you spend at least $3,000 in your first 60 daysBonus Rewards
• Choice Rewards World Mastercard bonus points: To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening.
• Odyssey Rewards World Elite Mastercard bonus points: To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening.
• Platinum Rewards Mastercard: To qualify for the 10,000 Rewards Points bonus, purchases totaling $2,000 must post to account within 60 days of account opening..
Earn 2x rewards points on gas, groceries, household goods, and moreAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..
No annual fee.

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Odyssey Rewards™ World Elite Mastercard®

A premium rewards card with a package of special travel benefits.

If you spend as much time on the road and in the sky as you do at home, this is the card for you.

Get 0.00% APR on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cardsAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..
Receive 30,000 bonus points when you spend $3,000 in your first 90 daysAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..
Earn 3x rewards points on travel and hotel purchases and 2x points on diningFirst 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..
$0 intro annual fee for your first year, then $75 thereafter.

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First Tech Federal Credit Union Odyssey Rewards Credit Card

Platinum Mastercards® from First Tech

One name, three great cards.

The Platinum Rewards Mastercard®

The ultimate rewards value.

Get the benefits of earning 1 rewards point for every dollar you spend on your Platinum Rewards Mastercard. Earn as many as you’d like. There’s no maximum and the points never expireAs long as the account remains open and in good standing.. Redeem your points for travel, gift cards, merchandise, and events and activities.

Plus, get these valuable offers for new cardholders.

Earn 10,000 bonus points when you spend at least $2,000 in the first 60 days of your new cardBonus Rewards
• Choice Rewards World Mastercard bonus points: To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening.
• Odyssey Rewards World Elite Mastercard bonus points: To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening.
• Platinum Rewards Mastercard: To qualify for the 10,000 Rewards Points bonus, purchases totaling $2,000 must post to account within 60 days of account opening..
Pay 0.00% APR for 12 billing cycles with no balance-transfer fees on balance transfers made within 90 days of account openingAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..

You’ll also pay no annual fee and no cash advance fees.

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The Platinum Mastercard®

Transfer your balances and save.

If you have balances on other cards, you could save money and pay your balances off faster by transferring them to a First Tech Platinum Mastercard.

Make your transfers within 90 days of account opening, and you’ll get 0.00% APR for 12 billing cycles on transferred balances. And, you won't pay balance-transfer fees on a First Tech Platinum MastercardAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..

Apply Now Learn More See Current Rates

The Platinum Secured Mastercard®

The credit builder.

The First Tech Platinum Secured Mastercard card is a great choice if you are building credit. Your credit limit is secured by a refundable security deposit, and you get all the great benefits of our Platinum Rewards Mastercard. Your on-time payments are reported to the credit bureau, so you build positive credit history every month.

Earn 1 rewards point for every dollar you spend on your Platinum Secured Mastercard card. There’s no limit to the number of points you can earn, and they never expireAs long as the account remains open and in good standing.. Redeem points for travel, merchandise, gift cards and more.
Pay no annual fee, no balance-transfer fees and no cash-advance fees.

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Even More Rewards!

As a First Tech member, you can get even more rewards when you pair your First Tech Mastercard with a First Tech Rewards Checking and Savings. Get an extra 0.5% cash back, up to $15, on your monthly credit-card spending and a $10 streaming subscription rebate, as well as cash back on loan payments.

Find Out More

Calling all Blazers fans!

Portland Trail Blazers fans, First Tech has the perfect offer for you. Because First Tech is the official credit union of the Portland Trail Blazers, you can get a Trail Blazers branded card with any First Tech Mastercard, as well as special bonuses, like discounted game tickets and Rose Quarter performances, as well as 10% off of purchases at Rip City Clothing in the Moda Center when you use your First Tech Blazers card.

Learn More

Side by side comparison.

	Odyssey Rewards Mastercard	Choice Rewards Mastercard	Platinum Mastercard
Card Image
New Cardholder Offers	Earn 30,000 bonus points when you spend at least $3,000 in the first 90 days of your new cardAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.. 0.00% APR for 12 billing cycles with no balance-transfer fees on balance transfers made within 90 days of account openingAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..	Earn 20,000 bonus points when you spend at least $2,000 in the first 60 days of your new cardAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.. 0.00% APR for 12 billing cycles with no balance-transfer fees on balance transfers made within 90 days of account openingAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion..	Earn 10,000 bonus points when you spend at least $2,000 in the first 60 days of your new cardAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.. (Platinum Rewards only) 0.00% APR for 12 billing cycles with no balance-transfer fees on balance transfers made within 90 days of account openingAPR equals Annual Percentage Rate. Balance transfer introductory APR of 0.00% good for 12 billing cycles from date of completed transfer on balances transferred within first 90 days of account opening. After the 12 billing cycles, rate will be the standard purchase APR based on creditworthiness and product type. Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.. (Platinum Rewards and Platinum Mastercard only)
Initial rate	As low as 9.24% APR APR equals Annual Percentage Rate.	As low as 10.50% APR APR equals Annual Percentage Rate.	As low as 9.24% APR APR equals Annual Percentage Rate.
Rewards points	3x on TravelBonus Rewards • Choice Rewards World Mastercard bonus points: To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. • Odyssey Rewards World Elite Mastercard bonus points: To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. • Platinum Rewards Mastercard: To qualify for the 10,000 Rewards Points bonus, purchases totaling $2,000 must post to account within 60 days of account opening. 2x on DiningBonus Rewards • Choice Rewards World Mastercard bonus points: To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. • Odyssey Rewards World Elite Mastercard bonus points: To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. • Platinum Rewards Mastercard: To qualify for the 10,000 Rewards Points bonus, purchases totaling $2,000 must post to account within 60 days of account opening. 1x on everything else	2x on gas, groceries, household goods, electronics, and telecomBonus Rewards • Choice Rewards World Mastercard bonus points: To qualify for the 20,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 60 days of account opening. • Odyssey Rewards World Elite Mastercard bonus points: To qualify for the 30,000 Rewards Points bonus, purchases totaling $3,000 must post to account within 90 days of account opening. • Platinum Rewards Mastercard: To qualify for the 10,000 Rewards Points bonus, purchases totaling $2,000 must post to account within 60 days of account opening. 1x on everything else	Platinum Rewards and Platinum Secured: 1 point for every $1 in purchases Platinum Mastercard: None
Rewards redemption options	Cash Travel Gift cards Merchandise Charitable donations	Cash Travel Gift cards Merchandise Charitable donations	Platinum Rewards and Platinum Secured: Travel Gift cards Merchandise Charitable donations Platinum Mastercard: N/A
Annual fee	First year waived $75/year thereafter	None	None
Foreign transaction fee	$0	$0	$0
Balance transfer fee	$0	$0	$0
Cash advance fee	$0	$0	$0
CTA	CTA Apply now Learn More	CTA Apply now Learn More	CTA Learn More