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Credit Cards

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

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

Man and woman looking at a laptop. Woman is standing and holding a drink, the man is sitting and holding a credit card

Choice Rewards World Mastercard®

The everyday heavy hitter.

Choice Card Image

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

  • Get 0.00% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of opening your Choice Rewards Mastercard. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
    , currently 11.25% - 18.00% APR.
  • 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 moreBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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.

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% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of opening your Odyssey Rewards Mastercard. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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 days.
  • Earn 3x rewards points on travel and hotel purchases and 2x points on diningBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
    .
  • $0 intro annual fee for your first year, then $75 thereafter.
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.

Platinum Rewards RTE image

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.
    .
  • Get 0.00% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of opening your Platinum Rewards Mastercard. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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.

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

  • Get 0.00% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of opening your Platinum Rewards Mastercard. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
    .
Platinum Rewards RTE image

The Platinum Secured Mastercard®

The credit builder.

Platinum Rewards RTE image

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.

Even More Rewards!

Woman standing outside using her phone

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.

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.

Blaze the Trail Cat

Side by side comparison.

Odyssey Rewards Mastercard Choice Rewards Mastercard Platinum Mastercard
Card Image Odyssey Card Image Choice Card Image Platinum 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 cardBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
  • 0.00% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of account opening. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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 $3,000 in the first 60 days of your new cardBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    Click here to see current rates. Balances transferred from existing First Tech Federal Credit Union accounts are not eligible for this promotion.
    .
  • 0.00% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of account opening. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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 cardBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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% introductory APRAPR equals Annual Percentage Rate. on balance transfers for 12 billing cycles with no balance transfer fees when you move balances from other cards within 90 days of account opening. After the promotional period your regular purchase rate appliesBalance 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, current rates are as follows:
    • Odyssey Rewards World Elite Mastercard: 9.99% - 18.00% APR
    • Choice Rewards World Mastercard: 11.25% - 18.00% APR
    • Platinum Rewards Mastercard: 10.99% - 18.00% APR
    • Platinum Mastercard: 9.99% -18.00% APR
    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 9.99% APR APR equals Annual Percentage Rate. As low as 11.25% APR APR equals Annual Percentage Rate. As low as 9.99% 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 CTA CTA
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Credit Card calculators

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Calculate your reward.

Maximum Expenditures

Monthly Spending

Travel

$

Shopping

$

Groceries

$

Dining

$

Monthly Rewards

Reward Points

0

Monthly Cashback

$0.00

Cashback Return

0.00%

Reward Points

0

Monthly Cashback

$0.00

Cashback Return

0.00%

*Amounts are estimates of rewards and do not guarantee actual points earned. Merchandise and other items shown are examples and may vary

Membership is required and subject to approval. Loan approval is subject to First Tech lending policies.