Pinnacle WORLD MasterCard®

Issued by First Niagara
  • Annual Fee: $75
  • Regular APR: 9.99%
  • Intro APR: 0% intro APR for 12 months
  • Balance Transfer: Yes
  • Balance Transfer Fee: Greater of $10 or 3% of the amount of each balance transfer
  • Reward: Points
Editor Reviews
Rates and Fees

The Pinnacle WORLD MasterCard® is First Niagara's most robust rewards card, with unlimited point earnings that don't expire. Plus, enjoy 0% introductory APR and a comprehensive suite of MasterCard benefits.

Rewards Points With No Restrictions

With the Pinnacle WORLD MasterCard®, you're guaranteed to earn rewards points on virtually every dollar charged to your card. You will receive 1 reward point per $1 spent on net purchases. Your earned points do not expire nor is there a limit to how many you can earn.

Redeem Points for WORLD-class Rewards

Receiving rewards points on every purchase makes it easy for you to redeem for what you want the most: travel deals, electronics, gift cards, tickets to the most popular events, and more. Whatever you're into, you can believe there's a reward for it!

0% Intro APR on Balance Transfers

New card members experience 0% APR on balance transfers during their first 6 months. Transfer a balance from other higher-interest credit cards and receive a break from interest rates for a full 6 months. This is a great way to catch up on your other financial priorities. After the introductory period, a reasonable APR will apply.

MasterCard Benefits You Expect

The Pinnacle WORLD MasterCard® comes with worldwide acceptance and a full suite of other MasterCard benefits:

  • Zero Liability on unauthorized purchases

  • MasterCard Global Service™ for your card-related questions

  • Concierge Services to help with dinner reservations, event tickets, coordinating business arrangements, and more

  • Extended Warranty

  • Price Protection

  • Travel Accident Insurance

This is just a sampling of what you can expect. There are many more travel and insurance benefits that come with the Pinnacle WORLD MasterCard® once you check it out!

Great Rate Rewards Card

The Pinnacle WORLD MasterCard® is the rewards credit card for the discerning consumer who enjoys a fine balance between unlimited rewards potential and solid account benefits. You'll get to save on card fees as well, with overdraft protection, no foreign transaction fees, and a waived annual fee with a PinnaclePlus checking account.

Get ready for the Pinnacle in credit card luxury – only with the Pinnacle WORLD MasterCard® from First Niagara.

* * Please Read Terms and Conditions

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Additional Information

Most Attractive Features: Intro APR on balance transfers; rewards program
Least Attractive Features: No intro APR on purchases
* Click apply to view rates, fees, rewards, limitations and other important information

Rates and Fees

Introductory Rate Offer: 0% intro APR for 12 months
Intro Applied To: Balance transfers
Regular APR for Purchases: 9.99%
APR for Cash Advances: 21.99%
Annual Fee: $75
Annual Fee Details: $75. Waived for PinnaclePlus Checking Accounts
Grace Period: Your due date is at least 25 days after the close of each billing cycle.
Late Payment Fee: Up to $25
Cash Advance Fee: Greater of $10 or 2% of the amount of each cash advance
Balance Transfer Fee: Greater of $10 or 3% of the amount of each balance transfer

Click Here to Apply

Rewards - Points

Points per Dollar: 1 point
Additional Points: None
Point Details: Earn 1 point per $1 spent.
Optional: No
Expiration: None
Yearly Limit: None

Click Here to Apply


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