Mon.-Fri. 6 a.m. - 9 p.m. ET
Sat.-Sun. 8 a.m. - 6 p.m. ET
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24 hours a day / 7 days a week
See our schedule of holiday hours.
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First Niagara Reward Program Disclosure
† Introductory period for 0% APR on balance transfers begins the day your account is opened. After the introductory period ends, the variable APRs will vary with the market based on the Prime Rate. Balance transfer fees still apply to balance transfers during the introductory period.
First Niagara Credit Card Agreement (Retail Installment Credit Agreement)
Please refer to the Important Disclosures for information about the rates, fees, other costs and benefits of these credit cards.
All First Niagara credit cards are subject to credit approval. First Niagara reserves the right to change terms, rates and fees at its discretion in accordance with the card agreement and applicable law.
MasterCard® is a registered trademark of MasterCard® International Incorporated and used by issuer pursuant to license. First Niagara Bank, N.A. is the creditor and issuer.
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