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About Our Ratings
Credit Needed
Excellent

First Niagara Pinnacle WORLD MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
$75, waived for PinnaclePlus Checking Account

This card compared to other cash back cards

Card Name
First Niagara Pinnacle WORLD MasterCard®
Cashback on Gas
1.5%
1%
Cashback on Groceries
1.5%
1%
Cashback on other
1.5%
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0%
Period:
for 15 Months
APR:
0%
Period:
for 12 months
Purchase APR
10.24% (variable) 
14.24%-23.24% (Variable) 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

First Niagara Pinnacle WORLD MasterCard® details

Balance Transfer Intro APR:
0% Introductory APR for 12 months
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
N/A
Purchase APR:
10.24% (variable)
Annual Fee:
$75, waived for PinnaclePlus Checking Account
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.74%
 7.74%
 18.74%
APR:
  10.24% (variable)
 11.24% (variable)
 22.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0% Introductory APR for 12 months
 N/A
Intro Period:
 None
 12 months
 None


Finance Calculation Method:
 Average Daily Balance (including current transactions)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 $75, waived for PinnaclePlus Checking Account
Foreign Transaction Fee:
 None
Late Fee:
 Up to $25
Over-the-limit Fee:
 None
Balance Transfer Fee:
Greater of $10 or 3% of each balance transfer  


Notes:

Rebate Description:
 One Point is earned for each Net Purchase dollar. Redeem points for a variety of rewards including travel, merchandise, and gift cards. No Point Cap, No Expiration.
Special Notes:
 Loss of Introductory APR: Card issuer may end your introductory APR if you make a late payment, and will apply the standard APR for balance transfers. Returned Payment Fee: Up to $20.
Credit Card More Information:

Card Issued By:
 First Niagara Bank, NA
General Correspondence Address:
 1 Hudson Ave
Card Type:
 MasterCard
Card Class:
 World
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good