| Rewards | N/A |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Usually variable like purchases |
| Cash Advance Fee | $5 or 3% of amount (whichever greater) |
| Late Payment Fee | Up to $15–$20 |
| Purchases APR | 18.49%?–?28.49% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Canandaigua National Bank & Trust Platinum Edition Card stands out as a no-annual-fee, straightforward credit card geared toward local banking customers who want a simple, reliable card without bells and whistles. Most users say they appreciate the ease of use and low cost, noting that it’s a solid option for managing everyday purchases or building credit without worrying about yearly fees. Many reviewers mentioned that the card’s approval process is friendly for existing CNB customers, and customer service is accessible and community-focused.
On the downside, users often complain about the lack of rewards, cashback, or signup bonuses, making it less appealing compared to national credit cards with perks. Some also mentioned that the APR can be high if you carry a balance, and that there’s limited online information on fees and terms, which can make comparison shopping harder.
Personally, I think this card is best for local CNB customers who want a no-frills, no-fee credit card and aren’t concerned with rewards or travel perks. If you’re looking for generous cashback, signup bonuses, or flexible points, you’ll likely find more value with a national bank card. This one shines for simplicity and reliability rather than perks.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
H
Easy Rewards and Friendly Service
This card surprised me simple rewards, clear statements, and their customers service actually helped when I had a question. Feels reliable and genuinely useful for daily spending.
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Easy to Manage
I got this card through my local bank. It has a low fee and the customer service is personal. Rewards are basic but I like having it as a simple backup card.
