• 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 Secured MasterCard
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    Features and Benefits Platinum MasterCard® Standard MasterCard® Secured MasterCard®

    Introductory APR

    0% Introductory APR on Balance Transfers1
    12 months –
    new accounts only
    6 months -
    new accounts only
    None

    Online Account Access

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

    Payment Options

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

    PIN for ATM Use

     
    Yes Yes Yes
  • Rates and Fees Platinum MasterCard® Standard MasterCard® Secured MasterCard®

    Annual Fee

     
    $0 $0 $50

    Minimum Credit Limit

     
    $2,000 $1,000 $500

    APR% Purchases

     
    13.24% 14.24% 14.24%

    APR% Balance Transfer

     
    14.24% 15.24% NA

    APR% Cash Advance

     
    21.99% 21.99% 21.99%

    Cash Advance Fee

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

    Balance Transfer Fee

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

    Account Transfer Fee

     
    $10 $10 N/A

    Foreign Transaction Fee

     
    None None None
  • MasterCard® Benefits and Insurance Platinum MasterCard® Standard MasterCard® Secured 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.
    Yes    

    Zero Liability2

    Pay only for purchases which you have authorized on your MasterCard card. Conditions and exceptions apply.
    Yes Yes Yes

    MasterCard Global Service™

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

    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 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.
    Yes    

    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 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.
    Yes    
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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 www.mastercard.us/zero-liability.html or call 1-800-MC-ASSIST.

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