The Canandaigua National Bank is a personal credit card from Canandaigua National Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 18.99% to 28.99% variable when you open your account, based on creditworthiness; varies with the market based on the Prime Rate (Prime 6.75% as of 08/31/2026) after a No introductory APR introductory rate. Signup bonus: 15,000 bonus points ($150 equivalent) after the first $500 in net purchases within the first 3 consecutive billing cycles after the account is opened. Rewards: 5 points per $1 on travel purchases; 3 points per $1 on streaming purchases; 2 points per $1 on fuel purchases; 1 point per $1 on all other net purchases; redeem for cash back, gift cards, travel or merchandise; no limit on points earned; points expire on or after the third anniversary of being awarded. Loan terms: Revolving credit card; due date at least 21 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum payment is the New Balance if under $40, otherwise the greater of 2% of the New Balance or $40, or fees and finance charges plus 1% of the New Balance.