• Love at First Swipe

    A trip overseas to learn a new language. A new appliance to replace that old one in the kitchen. And all those little needs and desires in between. It’s time for a credit card that works and plays as hard as you do.
  • With your First Niagara credit card and the Apple Pay™ mobile payment solution, you can pay participating retailers securely with just one touch.
     
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    Savvy Shopper

    PS-Student

    Student

    PS-LivingComfortably

    Living Comfortably

    CoupledUp

    Coupled Up

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  • Card Type

    Description

    Introductory APR

    Rewards Program

    Key Features

    Pinnacle WORLD MasterCard®

    Simply our very best credit card: Worldwide Acceptance, No Pre-set Spending Limit, Robust Rewards
    0% intro APR on balance transfers1 for the first 12 months; 10.99% APR thereafter – new accounts only
    Yes2
    • 9.99% Purchase APR
    • Our Most Robust Rewards Program; Earn Unlimited Points with No Set Expiration Date1
    • No Foreign Transaction Fees
    • No Annual Fee with a PinnaclePlus Checking Relationship
    • Overdraft Protection Eligible
    • Identity Theft Resolution
    • Concierge Service

    Pinnacle Platinum MasterCard®

    The prestige of Platinum with the benefits of an exciting rewards program
    0% intro APR on balance transfers1 for the first 12 months; 10.99% APR thereafter – new accounts only
    Yes2
    • 9.99% Purchase APR
    • Earn Unlimited Points with No Set Expiration Date1
    • No Foreign Transaction Fees
    • No Annual Fee with PinnaclePlus or Pinnacle Checking Relationship
    • Overdraft Protection Eligible
    • Extended Warranty
    • MasterAssist™ Travel Services

    Platinum MasterCard®

    Our most attractive non-rewards card with Platinum status
    0% intro APR on balance transfers1 for the first 12 months; 14.24% APR thereafter – new accounts only
    No
    • 13.24% Purchase APR
    • All the Benefits of Platinum, without an Annual Fee
    • No Foreign Transaction Fee
    • Overdraft Protection Eligible
    • Extended Warranty
    • MasterAssist™ Travel Services

    Standard Rewards MasterCard® 

    A great cash management tool for your needs with the bonus of a rewards program
    0% intro APR on balance transfers1 for the first 6 months; 15.24% APR thereafter - new accounts only
    Yes2
    • 14.24% Purchase APR
    • Earn Unlimited Rewards Points that Expire 3 Years from the Month Earned1
    • Overdraft Protection Eligible
    • MasterCard Global Services™, Zero Liability3

    Standard MasterCard®

    A great payments and cash management tool for basic needs
    0% intro APR on balance transfers1 for the first 6 months; 15.24% APR thereafter – new accounts only
    No
    • 14.24% Purchase APR
    • Overdraft Protection Eligible
    • MasterCard Global Services™, Zero Liability3

    Secured MasterCard®

    Expressly designed for building and rebuilding credit
    Not Applicable
    No
    • 14.24% Purchase APR
    • Secured by a First Niagara Deposit Account
    • MasterCard Global Services™, Zero Liability3
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1 See Rewards Program Disclosure for complete details. Cash advance fee still applies to balance transfers during the 0% APR period. The APR for balance transfers will be increased to the standard balance transfer rate after the introductory period.

2 Rewards points are accumulated for net purchases. Net purchases are defined as the dollar value of goods and services purchased with the card minus any credits, returns, or other adjustments reflected on the monthly billing statement. Rewards customers receive one reward point for each dollar of net purchases. Points can be redeemed a variety of different types of rewards depending on their product (travel, merchandise, gift cards, etc.).

3 Certain conditions apply. To learn more about the conditions, please go to www.mastercard.us/zero-liability.html or call 1-800-MC-ASSIST.

 

First Niagara Credit Card Agreement (Retail Instalment Credit Agreement)

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

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