You can now start spending on your First Tech debit or credit card to stack up the bonuses for grocery purchases, streaming subscriptions and food delivery1.

If you don’t have a credit card with us, and want to start earning the Rewards Points2 as part of this offer, see your options below and apply.


Odyssey RewardsTM
World Elite Mastercard®


30,000 Bonus Rewards Points
(a $300 cash value)
when you open a First Tech Odyssey RewardsTM World Elite Mastercard® and meet spending requirements2
As low as 6.99% APR
Earn premium rewards for traveling and dining
Take advantage of dedicated World Elite Mastercard Global Concierge services3
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

Choice Rewards
World Mastercard®


20,000 Bonus Rewards Points
(a $160 cash value)
when you open a First Tech Choice Rewards World Mastercard® and meet spending requirements2
As low as 8.25% APR
Earn double Rewards Points on everyday purchases4
Appreciate a hight value card with low rates and no annual fee
Enjoy card benefits like purchase assurance and more3
Annual Fee:$0

If you would like a First Tech representative to contact you to answer your questions, please fill out this form and we will get back to you soon. We appreciate your patience while we are reviewing your request.



See complete terms and conditions below.

1The spending bonus reward is 10% of qualified purchases up to a combined total of $150. Each category has a maximum reward of $50. The three categories of qualified purchases are groceries, online streaming subscriptions, and food delivery. The purchases must be made using a qualified First Tech debit or credit card linked to a new account that is opened during the promotional period of 01.01.2021 – 03.31.2021. For purchases to qualify, transactions must post to the account(s) within 60 days of enrollment to receive a spending bonus reward. The primary owner and/or borrower of the eligible checking and/or credit card accounts must be the same enrolled primary owner of the Membership Savings account. Any qualifying spending bonus earned in the prior month will be deposited to the enrolled primary owner and/or borrower’s Membership Savings account the first week following the end of each calendar month. You will be paid up to the maximum earned payout or until the end of the 60 day period, whichever comes first. Final date of spending bonus payout for qualified purchases will be 6.11.2021. First 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 promotional offer. Merchants who accept Visa/Mastercard debit and credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. First Tech groups similar merchant codes into categories for purposes of making offers to you. Please note that First Tech makes every effort to include all relevant merchant codes in our categories. However, even though a merchant or some of the items that it sells may appear to fit within a category, the merchant may not have a merchant code in that category. Merchant category codes that qualify for this promotion include the following: Groceries: 5300 - Wholesale Clubs, 5411 - Grocery Stores, Supermarkets. Online Streaming Subscriptions: 4899 - Cable, Satellite, and Other Pay Television and Radio Services, 5735 - Record Shops, 5968 - Direct Marketing - Continuity /Subscription Merchants. Food Delivery: 5812 - Eating Places, Restaurants. Qualifying Checking Accounts: Carefree Checking 0.00% APY, First Checking Plus 0.05% APY, and Dividend Rewards Checking (DRC) Qualified APY is 1.00% on the first $10,000 and 0.10% on remaining balance; DRC Non-Qualified 0.05% APY on all balances. Rates effective as of 02.01.2021 and rates are subject to change. Terms and conditions apply. Qualifying Credit Cards: Odyssey RewardsTM World Elite Mastercard® or Choice Rewards World Mastercard®. Offer is subject to credit qualifications. Rates subject to change. Terms, conditions, and some restrictions may apply.

2To qualify for the 30,000 Rewards Points bonus on a new Odyssey RewardsTM World Elite Mastercard®, purchases totaling $3,000 must post to account within 90 calendar days of account opening. 30,000 points equals $300 cash value. To qualify for the 20,000 Rewards Points bonus on a new Choice Rewards World Mastercard®, purchases totaling $3,000 must post to account within 60 calendar days of account opening. 20,000 points equals $160 cash value. Rewards Points will be awarded on the second statement following qualification for the bonus. 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. First 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. A $75 annual fee applies to the Odyssey RewardsTM World Elite Mastercard® and is waived for the first year. Offer is subject to credit qualifications. Rates subject to change. Terms, conditions, and some restrictions may apply.

3Coverage 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.

4First 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.