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 travel rewards cards

Points or Miles
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
14.49% (variable) 
16.24% or 20.24%* Variable 
N/A 
Annual Fee
$35, waived the first year
$89 - Waived first year
Introductory annual fee of $0 for the first year, then $195.
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:
 Travel Rewards
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 Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent