| Rewards | You earn 1 point per dollar spent on purchases, and those points are redeemable for merchandise, travel, rental cars, cruises, etc. through the rewards program tied to the card. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | About 26.74% variable |
| Cash Advance Fee | Either $5 or 3% of the amount advanced, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | After a 0% introductory APR period on purchases and balance transfers, the ongoing APR is typically 14.74%–24.74% variable based on your creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Chemung Canal Trust Company Visa Platinum Credit Card is known as a straightforward, community bank card geared toward everyday spending with basic rewards. It typically offers no annual fee, a modest points-based rewards program redeemable for travel or merchandise, and sometimes an introductory 0% APR on purchases or balance transfers.
Most users say they appreciate the no-fee structure and the simplicity of earning points on purchases. Many reviewers mentioned the personal touch of dealing with a local bank and the ease of managing the card through the Chemung Canal online portal.
Some cardholders note that the rewards are limited compared with bigger national banks and that there’s no signup bonus. Others mention that ongoing APRs can be higher than major national cards if balances aren’t paid in full.
Personally, I think this card is a solid option if you want a low-maintenance, community bank credit card with some rewards and no annual fee. It’s best for local customers or those who prioritize simplicity over flashy bonuses. If you’re chasing high rewards or travel perks, larger national cards might offer better value.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
There are no reviews yet. Be the first to leave yours!
