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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, Good Credit
Discover it® Miles – Unlimited 1.5x Rewards Card
Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
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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
Average, Fair, Limited Credit
No Credit Needed
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Excellent / Good Credit
Excellent / Good Credit
Discover it® Miles – Unlimited 1.5x Rewards Card Capital One® Platinum Credit Card Emporium Preferred Account Pinnacle Platinum MasterCard® Pinnacle WORLD MasterCard® Standard Rewards 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)
N/A
N/A
n/a53
n/a53
n/a53
11.49% – 23.49% Variable
24.99% (Variable)
N/A
10.24%53
10.24%53
14.49%53
$0
$0
$0
$5053
$7553
$3553
See terms
See terms
None
See terms
See terms
See terms

Other Alternatives to First Niagara Bank Cards:

Excellent, Good Credit
Discover it® - Cashback Match™
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Expert Rating:

Card Details
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
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  • 100% U.S. based customer service.
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Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
0% (14 months)0% (14 months)11.49% – 23.49% Variable$0See terms
Barclaycard CashForward™ World MasterCard®
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Expert Rating:

Card Details
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APRAnnual FeeApplication Processing Fee
N/A0% (15 months (on balance transfers made within 45 days of account opening))15.24%, 20.24% or 25.24%* Variable$0See terms
Credit One® Credit Card with 1% Cash Back
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Expert Rating:

Card Details
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
N/A15.65% - 24.15% Variable$0 - $99See termsYes
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).
  • 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.
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  • 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 APRAnnual FeeApplication Processing FeeReporting Credit Bureaus
n/a25.15%$0See TermsYes
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 13.49% - 23.49% 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 APRAnnual FeeApplication Processing Fee
0% (21 months)*0% (21 months)*13.49% - 23.49% (variable)$0*See terms
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 APRAnnual FeeApplication Processing Fee
N/AN/A23.9%$35 - $99*See Terms

* Click apply to read the full Terms and Conditions.
53 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

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.