The Canandaigua National Bank and Trust offers three credit cards for individuals. These three credit cards are the Maximum Rewards Platinum Edition Visa, the Platinum Edition Visa, and a customizable Visa credit card in which the cardholder can choose the photo.
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The Platinum Edition Maximum Rewards Visa
This credit card comes with no annual fee, no monthly fee, and a special zero percent annual percentage rate for the first six months the account is open. After the zero percent annual percentage rate expires, the cardholder will have a permanent annual percentage rate of 11.99 percent, 15.99%, or 19.99%. The higher the cardholder’s credit score, the lower the permanent annual percentage rate will be.
The annual percentage rate for cash advances on this reward credit card is 25.24%. If the cardholder makes a payment late, goes over their credit limit, or has a payment returned they would have to pay a penalty fee of up to 29.99%. The fee for a balance transfer, cash advance, foreign transaction, or cash equivalent is 5% of the amount or a flat fee of up $15.
This credit card is a rewards credit card, which means the cardholder earns point with every purchase they make. Once the cardholder has saved enough points, they can exchange them for special discounts and rewards. Most rewards programs offer discounts on travel, merchandise, and online deals.
The Platinum Edition Visa
The Canandaigua National Bank and Trust Platinum Edition Visa offers many of the same rates and fee amounts as the rewards card. This credit card does have a lower interest rate in the 13.99% and 19.99%. While this credit card does not offer a rewards points program it does allow the cardholder to earn one percent cash back on all qualifying purchases.
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