WalletHubNo foreign feeQualify with bad creditMembership feesRequires security depositFirst Niagara Secured MasterCard® Credit Card
First Niagara Secured MasterCard® Credit Card
We're sorry, but the First Niagara Secured MasterCard® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-626-0900, Ext.
You can write a review about the First Niagara Secured MasterCard® Credit Card or check the card’s rates and fees according to our latest records, which may be outdated and were collected independently by us. Alternatively, you can compare the latest credit card offers.
Credit Score
Bad Credit
Minimum Security Deposit
$500
Fees
APR on Purchases
14.49% (V)
First Niagara Secured MasterCard® Credit Card's Additional Info
Expressly designed for building and rebuilding credit.
Secured by a First Niagara Deposit Account.
Online account access: Check Balance, View Transaction, Make Payment and Reward Inquires.
Payment Options: Online, Branch, Mail, Phone, ACH Transfer.
Zero Liability: Pay only for purchases which you have authorized on your MasterCard card. Conditions and exceptions apply.
MasterCard Global Service™: Get assistance virtually anytime, anywhere with your card related questions.
Apple Pay™: with your MasterCard and Apple Pay mobile payments solution, you can pay participating retailers securely with just one touch.
| cash advance fee | 3% (min $10) |
| cash advance APR | 22.24% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | $25 |
| max overlimit fee | $0 |
| max penalty APR | None |
First Niagara Secured MasterCard® Credit Card Pros & Cons
No foreign fee
Qualify with bad credit
Membership fees
Requires security deposit
Compare The First Niagara Secured MasterCard® Credit Card vs. Popular Alternatives
minimum deposit$500 | minimum deposit$300 | minimum deposit$200 |
one time fees | one time fees | one time fees |
annual fee$50 | annual fee$0 | annual fee$0 |
monthly fee$0 | monthly fee$0 | monthly fee$0 |
Regular APR14.49% (V) | Regular APR28.24% (V) | Regular APR28.99% (V) |
rewards rate | rewards rate | rewards rate |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Offer last updated: Jun 15th, 2026 at 08:36 ET
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