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First Tech Odyssey Rewards™ World Elite Mastercard®

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If you’re in the market for a balance transfer, this card offers a long 0% intro rate along with no balance transfer fee, potentially saving you interest on some accumulated debt. It’s also jam-packed with Mastercard World Elite benefits such as a monthly Lyft credit, concierge services, rental insurance, Purchase Assurance, Cellular Telephone Protection, and quite a bit more.

Our rating
Min. credit level: Good
Annual Fee: $75, $0 first year
Regular APR: 6.99%–18.00% Variable
Intro Balance Transfer APR: 0% for 12 billing cycles

First Tech Odyssey Rewards™ World Elite Mastercard®

Our rating
Good Min. credit level
$75, $0 first year Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 3X points per dollar on Travel
  • 2X points per dollar on Dining
  • 1X point per dollar on all other purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 12 billing cycles
Regular Balance Transfer APR 6.99%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $25
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 9.00%–18.00% Variable
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • Purchase Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
First Tech Odyssey Rewards™ World Elite Mastercard®


  • 3X points per dollar spent on travel
  • 2X points per dollar spent on dining
  • Up to $100,000 credit limit
  • Master RoadAssist Roadside Service
  • Trip Cancellation and Trip Interruption Insurance
  • No balance transfer fee
  • No cash advance fee
  • Annual fee: $75, $0 first year

First Tech Federal Credit Union

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The First Tech Odyssey Rewards World Elite Mastercard is a travel card that’s trying to do it all: broad travel and dining rewards, introductory APRs, lots of benefits, and credit limits up to $100,000.

This might be the balance transfer card you’re looking for because there’s no balance transfer fee, and you’ll get a 0% introductory rate on balance transfers for 12 billing cycles, after which your rate will be 6.99%–18.00% Variable. There’s also no cash advance fee, which is a rare find.

You’ll get World Elite Mastercard benefits like global concierge services, Cellular Wireless Telephone Protection, Purchase Assurance, a $10 Lyft credit each month, and plenty more.

The annual fee for this card is $75, $0 first year.

First Tech Federal Credit Union is also the official credit union of the Portland Trail Blazers, and they offer a Blazers version of this card that gives discounts on tickets and merchandise.

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