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Credit Card Applications » First Niagara Bank

First Niagara Bank Credit Card Alternatives

First Niagara Bank

First Niagara Bank is a banking and finance corporation that is headquartered in Buffalo, New York. It is a subsidiary of the First Niagara Financial Group. First Niagara bank was founded in 1870 under their original name, Farmers and Mechanics’ Savings Bank. First Niagara Bank offers several First Niagara credit card options including the Pinnacle World MasterCard, Pinnacle Platinum MasterCard and the Standard Rewards MasterCard.

Unfortunately, we do not currently offer any online applications for this bank.
However, our experts have matched very similar credit card offers which might be just as good or better available from other banks!
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Featured Alternative to First Niagara Bank Cards:
for Excellent Credit
Barclaycard CashForward™ World Mastercard®
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
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Compare First Niagara Bank Cards with the Other Offers
Card Type
Intro APR on Purchases
Regular APR
Annual Fee
Application Processing Fee
First Niagara Bank Cards:
Featured Alternatives to First Niagara Bank Cards:
Excellent, Good Credit
Excellent, Good Credit
Excellent Credit
Excellent / Good
Excellent / Good
Excellent / Good Credit
Discover it® Miles Discover it® - Cashback Match™ Barclaycard CashForward™ World Mastercard® Pinnacle Platinum MasterCard® Pinnacle WORLD MasterCard® Standard Rewards MasterCard®
Discover it® Miles Discover it® - Cashback Match™ Barclaycard CashForward™ World Mastercard®
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
0% (14 months)
0% (14 months)
0% (15 months)
n/a53
n/a53
n/a53
11.74% – 23.74% Variable
11.74% – 23.74% Variable
15.74%, 20.74% or 25.74% Variable
10.24%53
10.24%53
14.49%53
$0
$0
$0
$5053
$7553
$3553
See terms
See terms
See terms
See terms
See terms
See terms

Other Alternatives to First Niagara Bank Cards:

Citi Simplicity® Card - No Late Fees Ever
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Expert Rating:

Card Details
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
0%* intro on purchases (21 months on Purchases*) 0%* (21 months on Balance Transfers*) 14.49% - 24.49% (Variable) $0* See terms
See card details
Fingerhut Credit Account
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Expert Rating:

Card Details
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
n/a 25.65% $0 See Terms Yes
See card details
Credit One Bank® Platinum Credit Card with Rewards
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Expert Rating:

Card Details
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 16.15% - 24.65% Variable $0 - $99 See terms Yes
See card details
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
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Expert Rating:

Card Details
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
0%* intro on purchases (21 months on Purchases*) 0%* (21 months on Balance Transfers*) 13.49% - 23.49%* (Variable) $0* See terms
See card details
Credit One Bank® Platinum Visa® for Building Credit
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Expert Rating:

Card Details
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Summary of Card Features:
Intro APR
on Purch..
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A 16.15% - 24.65% Variable $0 - $99 See terms Yes
See card details
Milestone® MasterCard® with Free Choice of Card Image
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Expert Rating:

Card Details
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Application Processing Fee
N/A N/A 23.9% $35 - $99* See Terms
See card details

Enjoy Rewards with One of First Niagara Credit Cards

The Pinnacle World MasterCard comes with multiple cardholder benefits and a low APR of 9.99%. This card allows cardholders to take part in First Niagara’s rewards program and earn unlimited points with no expiration date. This card comes with no annual or membership fees, along with no foreign transaction fees. In addition, this card comes with identity theft resolution and is eligible for overdraft protection.

The Pinnacle Platinum MasterCard also comes with some of the benefits of the World MasterCard along with a few additional features. The Platinum card also comes with an APR of 9.99% and allows cardholders to earn unlimited rewards points with no expiration date. This card also comes with no annual or foreign transaction fees. The Platinum card also offers cardholders extended warranty protection and provides cardholders with MasterAssist Travel Services.

The Standard Rewards MasterCard offers benefits and a rewards program that is similar to the program offered by the Pinnacle MasterCard. This card comes with a slightly higher APR of 14.24%. It allows cardholders to earn unlimited reward points that expire after three years. This credit card is eligible for overdraft protection. This card also comes with MasterCard Global Services and Zero liability.

These credit cards offered by First Niagara Bank come with exclusive cardholder benefits and low APRs. First Niagara Bank also offers a few additional credit card options. All of the other credit cards offered by First Niagara Bank are very similar to the Pinnacle World, Pinnacle Platinum, and Standard Rewards MasterCard cards. If none of these credit cards appear to be what you are looking for, then you should check out one of these cards instead.