Please Note: First Niagara's web site has scheduled maintenance on Sunday, May 29, 2016 from 10:00 p.m. to 11:55 p.m. We apologize for any inconvenience.Dismiss Alert
  • Credit Cards That Work as Hard as You Do

    Global purchasing power from a bank that’s close to home

    Both our MasterCard Platinum BusinessCard® and MasterCard Standard BusinessCard® offer exceptional cash management and extensive business services. But with our Platinum card, you’ll also enjoy rewards that extend your buying power.  Earn a point for every dollar you spend on eligible purchases and enjoy easy online redemption for a variety of rewards, including:

    • Travel – flights, hotels, car rentals
    • Merchandise – electronics, sporting goods, and more
    • Gift Cards – wide variety of retailers
    • Account Credits
    • Event Tickets and Activities
  •   MasterCard Platinum BusinessCard MasterCard Standard BusinessCard
    Features and Benefits MasterCard Platinum BusinessCard® MasterCard Standard BusinessCard®


    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  

    Rewards Redemption

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

    Introductory APR

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

    Online account access

    Check Balance, View Transaction, 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

    Worldwide Acceptance

    Yes Yes
    Rates and Fees MasterCard Platinum BusinessCard® MasterCard Standard BusinessCard®

    Annual Fee

    $50 - Waived the first year $0

    APR% Purchases

    Prime + 6.99% Prime + 7.99%

    APR% Balance Transfer

    Prime + 16.74% Prime + 16.74%

    APR% Cash Advance

    Prime + 16.74% Prime + 16.74%

    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 MasterCard Platinum BusinessCard® MasterCard Standard BusinessCard®

    Zero Liability3

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

    MasterCard Global Service

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


    MasterCard monitors the price of your purchased flights and captures airline credits for you when the price drops below what you paid.
    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.
    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

    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.

    MasterAssist Travel Services

    Provides 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 Yes


    Protects financial institutions and companies from employee misuse of charge privileges.
    Yes Yes

    VAT Reclaim Service

    MasterCard will determine what is eligible for VAT reclaim for U.S. companies and will handle all the claim processing and submissions to the VAT Refunding Authorities.
    Yes Yes

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 for 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 or call 1-800-MC-ASSIST.


Customize Your Experience.

By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.