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First Niagara Rewards Master Card

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First Niagara Rewards Master CardThe First Niagara Bank offers two credit cards along with their banking services. These two credit cards are the Intro Master Card and the Rewards Master Card. The Rewards Master Card offers the cardholder the ability to earn rewards points when they make purchases and then redeem these points for gift cards, merchandise, and travel rewards.

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More about the First Niagara Rewards Master Card

This special rewards credit card offers no annual fee and allows the cardholder to have additional credit cards with no added fee. This card also allows online account access so the cardholder can manage their account activity and rewards points.

The rewards program associated with this credit card is the Point 2 U rewards program. In this program, the cardholder earns 1 reward point for every one dollar they spend on eligible purchases. The cardholder earns 1,000 rewards points when they first open the account and 500 rewards points when they choose to receive electronic statements.

Rewards Available with the First Niagara Rewards Master Card

The cardholder can redeem their rewards points for travel rewards, gift cards, merchandise rewards, and downloadable rewards. The travel rewards option offers the cardholder car rentals, hotel discounts, cruise tickets, and airline tickets when they have earned enough points. When the cardholder chooses the downloadable rewards, the cardholder can choose to download music, books, ring tone, magazines, and even online gift certificates.

With the merchandise rewards option, the cardholder can choose from more than 300 items. These items include electronics, computers, sporting goods, appliances, and gourmet food items. If the cardholder chooses to redeem their points for gift cards, they can choose from more than 700 gift cards. Some of the most popular gift cards include Bed Bath and Beyond, Target, Old Navy, Olive Garden, Home Depot, Sears, CVS, Chili’s, and iTunes.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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Less than $2,500 More than $2,500
Always Never Sometimes