First Niagara Niagara Platinum
Credit Card
Card Overview
The Niagara Platinum credit card from First Niagara offers competitive features and rewards.
Key Features
- Credit card with fraud protection
- Online account management
- Mobile app access
- 1.0% cash back on purchases
- Rewards in categories: 1% on all purchases
- Sign-up bonus: 75.00
Card Basics
Quick Facts
Annual Fee
No Annual Fee
Cash Back Rate
1%
Intro APR Offer
0% for 6 months
Sign-up Bonus
75.00
Spend $300 in 90 days
Rates & Fees
| Rate Type | APR | Details |
|---|---|---|
| Purchase APR | 15.24% - 25.24% | Variable based on creditworthiness |
| Introductory APR | 0.00% | For 6 months |
| Cash Advance APR | 27.24% | Higher rate applies to cash advances |
| Penalty APR | Up to 30.24% | May apply if you miss payments |
About APR
APR (Annual Percentage Rate) reflects the yearly interest rate you'll be charged if you carry a balance on your card. Variable APRs may change with the market based on the Prime Rate. Rates, fees, and terms are subject to change.
Features & Benefits
Card Benefits
Enjoy credit card rewards, cash back, and exclusive perks with your card.
Rewards Program
Earn 1% cash back on eligible purchases.
Fraud Protection
Your card comes with built-in fraud monitoring and zero liability protection.
Digital Wallet
Add your card to Apple Pay, Google Pay, or Samsung Pay for contactless payments.
Card Requirements & Application
Eligibility Requirements
Basic Requirements
Must be at least 18 years of age and a U.S. resident with a valid Social Security Number.
Credit Score
Recommended credit score: Good
Income Requirements
Stable income and ability to make monthly payments. Income verification may be required.
Card Benefits
Cash Back Rewards
Earn 1% cash back on purchases. Higher rates in categories: 1% on all purchases.
Introductory APR
0% intro APR for 6 months on purchases and/or balance transfers.
How to Apply
You can apply for the Niagara Platinum card through one of these convenient methods:
In Person
Visit any First Niagara branch location.
Online
Apply through the First Niagara website.
By Phone
Call the bank's customer service line.
Ready to open a Niagara Platinum?
Start enjoying the benefits of the First Niagara Niagara Platinum today. The application process is quick and straightforward.
Or call First Niagara customer service for assistance