Canandaigua National Bank and Trust Secured Card | Reviews

CARD OVERVIEW

The Canandaigua National Bank & Trust Secured Card stands out as a no-annual-fee secured credit card designed to help build or rebuild credit. Most users say they appreciate the simplicity of the card and the clear path it provides to establishing credit, with many reviewers mentioning that CNB’s customer service is accessible and community-focused, which makes managing the account less stressful. Cardholders also like that the security deposit requirement is straightforward, and that responsible use may lead to an eventual upgrade to an unsecured card.

On the downside, users often complain about the lack of rewards, signup bonuses, or perks, making it feel basic compared to national secured cards. Many reviewers mentioned that the APR is high, especially if you carry a balance, and that there’s limited online information about fees and terms, which can make comparison shopping harder.

Personally, I think this card is best for local CNB customers or anyone needing a first secured card to build credit. If your goal is improving your credit score and you want a no-frills, no-fee option, this card works well. But those looking for rewards, cashback, or travel perks will likely find more value elsewhere.