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About Our Ratings
Credit Needed
Limited

Canandaigua National Bank & Trust Secured Visa® Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
Canandaigua National Bank & Trust Secured Visa® Card
Cashback on Gas
Unlimited 1.5% cash back
5%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
12 months
Purchase APR
20.24% (variable) 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

Canandaigua National Bank & Trust Secured Visa® Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
20.24% (variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 16.74%
 16.74%
 21.99%
APR:
  20.24% (variable)
 20.24% (Variable)
 25.49% (Variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each transaction in U.S. dollars.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 N/A
Special Notes:
 Establish or re-build credit history with a Secured Credit Card. This card requires a minimum $300-$5,000 security deposit (depending on the desired credit limit) which is held as collateral for your account. The credit limit is set up equal to that deposit. Opportunity to move to a Platinum card in as little as 15 months when you maintain a good payment history with us (subject to credit approval). Automatic reporting to the 3 major credit bureaus to help establish credit. U.S. citizenship is not required, but you must have a valid SSN or ITIN and a valid U.S. address. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 First Bankcard, a division of First National Bank of Omaha, for Canandaigua National Bank & Trust
General Correspondence Address:
 
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $300 min.
Maximum Credit Limit:
 $5000 max.
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam's Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
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Credit Needed:
Excellent/Good