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About Our Ratings

First Niagara Standard Rewards Mastercard® Review

First Niagara Standard Rewards Mastercard® details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
APR:
6 months
Balance Transfer Fee:
4% ($10 min. )
Annual Fee:
$35
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 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.
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:
 Balance Transfer, Airlines, Reward
States Available In:
 CT, MA, NY, PA
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Credit Needed:
Excellent
Apply online for BankAmericard® Credit Card

BankAmericard® Credit Card

  • NEW OFFER! 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed:
Excellent/Good