The Odyssey Rewards World Elite Mastercard, issued by First Tech FCU, is a premium contender in the market.

Odyssey Rewards World Elite Mastercard Payoff Analysis

Odyssey™ Rewards World Elite Mastercard® Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

Odyssey™ Rewards World Elite Mastercard®
Odyssey™ Rewards World Elite Mastercard®
IssuerFirst Tech FCU
NetworkMastercard (World Elite Mastercard)
Card MaterialPlastic
Annual Fee$75.00
Base Rate1.00%
Travel Rewards3.00x
Authorized User Fee$0.00
Foreign Transaction FeeNone
Credit ReportingEx, Eq, Tu
Product LifecycleAvailable (8y ago)
Minimum Credit Line$5000

Rewards Breakdown

Base Rate1.00%
Dining2.0x
Travel3.0x
Anniversary BonusNone
Portal Boost1x

Pricing Details

Purchase APR21.25% - 24.75%
Cash Advance FeeNone
Balance Transfer FeeNone
Late Payment FeeUp to $25
Minimum Interest Charge$0.00
Grace Period25 days
Penalty APRNone

Official Resources

Product Page Pricing & Terms

Usability & Experience

Digital Walletsapple-pay, google-pay, samsung-pay
Customer ServiceUnverified
Instant UseNo

Strategy & Eligibility

Min. Credit Score720+
Recommended RangeGood to Excellent
Chase 5/24 RuleNo
Lifetime RestrictionNone
Active Family RestrictionYes (None)
Closure Grace PeriodNone

Comparisons

See how the Odyssey Rewards World Elite Mastercard compares to other cards.

Terms, pricing, and rewards for this card were last verified as of 2026-06-02. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.