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First Niagara Standard Rewards Mastercard®


Credit Card Rate Information:

 
Purchase
Balance Transfer
Cash Advance

Index:
 prime
 
 
Margin:
 10.99
 11.99
 18.74
APR:
  14.24% Variable
 15.24% Variable
 21.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 0% Fixed
 None
Intro Period:
 None
 6 months
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 
Credit Card Fee Information:

Annual Fee:
 $35
Foreign Transaction Fee:
 0%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
4% ($10 min. )  


Notes:

Rebate Description:
 Redeem points for a variety of rewards including travel, merchandise, and gift cards. No Point Cap. Points expire 3 years from month earned.
Special Notes:
 APR for Balance Transfers: 0.00% introductory APR for the first 6 months. After that, your APR will be 15.24%. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Account Transfer Fee: $10. No Foreign Transaction Fee. No Penalty APR. Loss of Introductory APR: Card issuer may end your introductory APR if you make a late payment. Returned Payment Fee: Up to $20.
Card Issued By:
 First Niagara Bank, NA
General Correspondence Address:
 1 Hudson Ave, Hudson, NY, 12534
Card Type:
 MasterCard
Card Class:
 Classic/Standard
Card Category:
 Airlines, Balance Transfer, Reward
States Available In:
 CT, MA, NY, PA
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 



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