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Earning Points

If you already have a First Niagara MasterCard Credit Card, you are currently earning 1 point for every $1.00 in eligible net purchases* with your credit card!

Earn 1,000 bonus points by signing up to receive monthly credit card eStatements!

See your local branch for more information.

Earn 500 bonus points by signing up to receive Points 2U eStatement notifications!

Provide your email address, and you will receive a monthly e-statement notification when your points are updated. By choosing this option, you will not receive a quarterly paper statement.

When you're ready, you can do all of your redemptions online.

Select any item in the program brochure or from the hundreds more available in the online catalog and compare your available points with the number needed for the item you want. Downloadable rewards can be received instantly. If you have any questions, you can call the Points2U Service Center at 1-866-POINTS2U (1-866-764-6872), 24 hours a day, 7 days a week. A Redemption Specialist will be happy to assist you.

Click here to redeem your points!

*With an enrolled card, points are not earned on the following: tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or any fees such as card-related charges posted to an enrolled card account, including late fees, over-limit fees, annual fees, and finance charges as outlined in the applicable Cardholder Agreement, except as otherwise permitted in special promotional offers.

You will earn negative points if returns or credits exceed purchases.

Net purchases are defined as the dollar value of goods and services purchased with a Card beginning with the first day of the billing cycle that includes Cardholder's Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements.


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