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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
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
1.5 pts/$1
Bonus Miles or Points
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.
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
Purchase APR
14.49% (variable) 
N/A 
15.24% - 23.24% Variable APR on purchases 
Annual Fee
$35, waived the first year
Introductory annual fee of $0 for the first year, then $195.
$0.00
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:
 

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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
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good