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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)
First Niagara Rewards Program Disclosure
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