• Explore First Niagara Rewards Cards

    The competitive rates you deserve, plus earn a point for every dollar you spend on eligible purchases

    Whether you are a frequent flyer, a savvy shopper or a world traveler, you’ll enjoy easy, no-hassle online redemption for a variety of rewards. Our program offers something for everyone: 

    • Travel – flights, hotel, car rentals
    • Merchandise – electronics, sporting goods and more
    • Gift Cards – wide variety of retailers
    • Event tickets and activities account credits

     

  •   Pinnacle World MasterCard Pinnacle Platinum MasterCard Standard Rewards MasterCard
      Apply Now Apply Now Apply Now
    Features and Benefits Pinnacle WORLD MasterCard® Pinnacle Platinum MasterCard® Standard Rewards MasterCard®

    Rewards

    Rewards customers receive one reward point for each dollar of net purchases1. Points can be redeemed on a variety of rewards
    No Point Cap, No Expiration No Point Cap, No Expiration No Point Cap, Points expire 3 years from month earned

    Rewards Redemption

    Flights, hotels, car rentals, account credits, electronics, sporting goods, gift cards, event tickets, and more
    Browse rewards site Browse rewards site Browse rewards site

    Introductory APR

    0% Introductory APR on Balance Transfers2
    12 months - new accounts only 12 months - new accounts only 6 months - new accounts only

    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

    Family Card Capabilities

    Ability to receive cards for members of your immediate family
    Yes    

    WORLD Card Functionality

    Worldwide Acceptance
    Yes Yes  
  • Rates and Fees Pinnacle WORLD MasterCard® Pinnacle Platinum MasterCard® Standard Rewards MasterCard®

    Annual Fee

     
    $75 - Waived with PinnaclePlus Checking Relationship $50 - Waived with PinnaclePlus or Pinnacle Checking Relationship $35 - Waived First Year

    APR% Purchases

     
    9.99% 9.99% 14.24%

    APR% Balance Transfer

     
    10.99% 10.99% 15.24%

    APR% Cash Advance

     
    21.99% 21.99% 21.99%

    Cash Advance Fee

     
    2%/ $10 min/ No max 3%/ $10 min/ No max 3%/ $10 min/ No max

    Balance Transfer Fee

     
    3%/ $10 min/ No max 3%/ $10 min/ No max 4%/ $10 min/ No max

    Account Transfer Fee

     
    None None $10

    Foreign Transaction Fee

     
    None None None
  • MasterCard Benefits and Insurance Pinnacle WORLD MasterCard® Pinnacle Platinum MasterCard® Standard Rewards MasterCard®

    Year-End Account Summary

    Tool for accounting and tax preparation which helps you identify and manage your personal spending trends and patterns.
    Yes Yes  

    Zero Liability3

    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 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 Yes  

    Trip Cancellation

    Protects you and your family against forfeited, nonrefundable, unused payments and deposits if your trip is interrupted or canceled and you have purchased your common carrier tickets with your eligible MasterCard card.
    Yes    

    Hotel/Motel Burglary

    MasterCard may reimburse you for personal property stolen from your hotel.
    Yes    

    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 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

    Concierge Services

    Enjoy exclusive, personal assistance with dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements.
    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  

    Travel Accident Insurance

    Covers you and your family against Accidental Death or Dismemberment if you purchase common carrier travel tickets with your eligible MasterCard card.
    Yes    
      Apply Now Apply Now Apply Now

1 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.).

2 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.

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.

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