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  • Explore First Niagara Cards

    Find the credit card that works best with your lifestyle

    Whether you are newly married, starting a family, or trying to build or repair your credit, no matter what stage of life, there is a card within the First Niagara suite that’s right for you.
  •   Platinum MasterCard Standard MasterCard
      Apply Now Apply Now
    Features and Benefits Platinum MasterCard® Standard MasterCard®

    Introductory APR

    0% Introductory APR on Balance Transfers1
    12 months –
    new accounts only; 14.49% APR thereafter
    6 months -
    new accounts only; 15.49% APR thereafter

    Apple Pay™

    With your MasterCard and Apple Pay mobile payments solution, you can pay participating retailers securely with just one touch.
    Learn more  
    Yes Yes

    Online Account Access

    Check your Balance, View Transactions, Make Payment and Reward Inquiries
    Yes Yes

    Payment Options

    Online, Branch, Mail, Phone, ACH Transfer
    Yes Yes

    Chip Technology

    Smarter, more secure payments worldwide for advanced fraud protection
    Learn more  
    Yes Yes

    PIN Enabled

    PIN secured transactions for use with ATMs and PIN-secured retail checkouts  
    Yes Yes
  • Rates and Fees Platinum MasterCard® Standard MasterCard®

    Annual Fee

    $0 $0

    Minimum Credit Limit

    $2,000 $1,000

    APR% Purchases

    13.49% 14.49%

    APR% Balance Transfer

    14.49% 15.49%

    APR% Cash Advance

    22.24% 22.24%

    Cash Advance Fee

    3%/ $10 min/
    No max
    3%/ $10 min/
    No max

    Balance Transfer Fee

    4%/ $10 min/
    No max
    4%/ $10 min/
    No max

    Account Transfer Fee

    $10 $10

    Foreign Transaction Fee

    None None
  • MasterCard® Benefits and Insurance Platinum MasterCard® Standard MasterCard®

    Year-End Account Summary

    A convenient tool for accounting and tax preparation which helps you identify and manage your personal spending trends and patterns.

    Zero Liability2

    With MasterCard's Zero Liability, you'll enjoy extra protection for unauthorized use of your card.
    Yes Yes

    MasterCard Global Service™

    Get assistance virtually anytime, anywhere with your card-related questions.
    Yes Yes

    Extended Warranty

    Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible MasterCard card.
    Yes Yes

    MasterRental™ CDW

    Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible MasterCard card is used to initiate and pay for the entire rental transaction.

    Price Protection

    Should you find a lower price for a new item within 60 days from the date of purchase using your eligible MasterCard card, you may be reimbursed for the price difference.
    Yes Yes

    Purchase Assurance

    Provides coverage for most items you purchase with your eligible MasterCard card if the item is damaged or stolen within 90 days of the date of purchase.
    Yes - $50,000  

    Satisfaction Guarantee

    Should you become dissatisfied with a product you purchase using your eligible MasterCard card within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

    Identity Theft Resolution – Bronze

    Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.
    Yes Yes

    MasterAssist™ Travel Services

    Provide pre-trip destination information such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. As well as referrals to a network of physicians, arranging hospital transfers, and referrals to attorneys, local embassies and consulates, if you are traveling more than 100 miles from home.
      Apply Now Apply Now
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    Contact Us

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    Call center and live chat hours
    Mon. - Fri. 6 a.m. - 9 p.m. ET
    Sat. - Sun. 8 a.m. - 6 p.m. ET
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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 Certain conditions apply. To learn more about the conditions, please go to or call 1-800-MC-ASSIST.

Apple Pay is a trademark of Apple Inc.


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