First Niagara Credit Cards

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First Niagara Credit Cards

At First Niagara we put our customers first and help them thrive personally and professionally by paying less, earning more and borrowing wisely. With a wide network of branches across four states, we take care of our customers, employees and communities with great expertise in the financial business.

First Niagara Sabres Debit MasterCard®

• Get 10% off on all official Sabres merchandise at The Sabres Store or any Sabres merchandise location in the First Niagara Center when you use or show your First Niagara Sabres Debit MasterCard
• Prewards Program provides you with... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
/
Annual Fee
No annual fee
Credit Needed
Good

First Niagara Penguins® Debit MasterCard®

• Earn 10% off on all official Penguins merchandise at PensGear when you use your First Niagara Penguins Debit MasterCard
• Prewards Program provides you with discounts at select retailers apply automatically when you use your debit card... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
/
Annual Fee
$25 per month
Credit Needed
Good / Excellent

First Niagara Debit MasterCard®

• Purchase amounts are deducted from your First Niagara checking account.
• Make secure purchases and withdraw cash at ATMs with your card’s PIN
• Chip technology gives you more secure payments worldwide for advanced fraud... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
/
Annual Fee
No annual fee
Credit Needed
Good / Excellent

First Niagara MasterCard Standard Business Card®

  • Exceptional cash management and business services
  • No foreign transaction fee
  • Worldwide acceptance
  • PIN enabled for secure use with ATMs and retail checkouts
  • Chip Technology gives you more... Show More
Purchases Intro APR
None
Balance Transfers
0% for 6 months
Regular APR
7.99% - 16.74% (variable)
Annual Fee
No annual fee
Credit Needed
Good / Excellent

First Niagara MasterCard Platinum BusinessCard®

• Earn 1x reward point for every $1 you spend on net purchases
• Redeem your points for flights, hotels, car rentals, account credits, electronics, sporting goods, gift cards, event tickets, and more
• No caps on points
• No... Show More

Purchases Intro APR
None
Balance Transfers
0% for 6 months
Regular APR
6.99% - 16.74% (variable)
Annual Fee
(intro year) $0, then $50
Credit Needed
Good / Excellent

First Niagara Secured MasterCard®

• Build and rebuild your credit history
• Secured by a First Niagara Deposit Account
• No foreign transaction fee
• Identity Theft Resolution
• PIN enabled for secure use with ATMs and retail checkouts 
•... Show More

Purchases Intro APR
None
Balance Transfers
None
Regular APR
14.49%
Annual Fee
$50
Credit Needed
Bad / No credit

First Niagara Standard MasterCard®

• This card is suitable for everyone - whether new to credit, building credit, or just wanting a new card
• APR for purchases - 14.49%; for balance transfers - 15.49%
• No foreign transaction fees
• PIN enabled for... Show More

Purchases Intro APR
None
Balance Transfers
0% for 6 months
Regular APR
14.49% or 15.49%
Annual Fee
No annual fee
Credit Needed
No credit / Bad / Good

First Niagara Platinum MasterCard®

• Enjoy many MasterCard benefits, no matter what your credit status is
• APR on purchases 13.49%; on balance transfers 14.49%
• No foreign transaction fees
• Chip technology gives you more secure payments worldwide for... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
13.49% or 14.49%
Annual Fee
No annual fee
Credit Needed
No Credit / Bad / Good

First Niagara Standard Rewards MasterCard®

• Earn 1x reward point for every $1 you spend on net purchases
• Redeem your points for flights, hotels, car rentals, account credits, electronics, sporting goods, gift cards, event tickets, and more
• Points expire 3 years from... Show More

Purchases Intro APR
None
Balance Transfers
0% for 6 months
Regular APR
Variable of 14.49% for Purchases; 15.49% for Balance Transfers
Annual Fee
(intro year) $0, then $35
Credit Needed
Good / Excellent

First Niagara Pinnacle Platinum MasterCard®

• Earn 1x rewardpoint for every $1 you spend on net purchases
• Redeem your points for flights, hotels, car rentals, account credits, electronics, sporting goods, gift cards, event tickets, and more
• No caps on points
• No... Show More

Purchases Intro APR
None
Balance Transfers
0% for 12 months
Regular APR
10.24% or 11.24%
Annual Fee
$75 or waived
Credit Needed
Excellent / Good