dcsimg
About Our Ratings
Credit Needed
Excellent

First Niagara Standard Rewards Mastercard® Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
14.49% (variable) 
Annual Fee
$35, waived the first year

This card compared to other airlines cards

Points or Miles
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
Double AAdvantage(R) miles on eligible American Airlines purchases*
Bonus Miles or Points
Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
Earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
Purchase APR
14.49% (variable) 
15.49%-19.49% Variable 
14.24% - 22.24%* (Variable) 
Annual fees
$35, waived the first year
$0 intro annual fee for the first year, then $95
$95, waived for first 12 months*
Rates and Fees
CardRatings.com Editorial Staff

First Niagara Standard Rewards Mastercard® details

Balance Transfer Intro APR:
0% Introductory APR for 6 months
Balance Transfer Intro Period:
APR:
6 months
Balance Transfer Fee:
Greater of $10 or 4% of each balance transfer
Annual Fee:
$35, waived the first year
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.99%
 11.99%
 18.74%
APR:
  14.49% (variable)
 15.49% (variable)
 22.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0% Introductory APR for 6 months
 N/A
Intro Period:
 None
 6 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:
 $35, waived the first year
Foreign Transaction Fee:
 None
Late Fee:
 Up to $25
Over-the-limit Fee:
 None
Balance Transfer Fee:
Greater of $10 or 4% 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. Points expire 3 years from month earned.
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:
 Classic
Card Category:
 Airlines
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









Start Here

Search. Compare. Apply.

Apply online for Bank of America® Cash Rewards for Business MasterCard® Credit Card

Bank of America® Cash Rewards for Business MasterCard® Credit Card

  • Get a $100 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America(R) savings or checking account
Credit Needed:
Excellent