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, based on creditworthiness; varies with the market based on the Prime Rate (Prime 6.75% as of 08/31/2026) after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles introductory rate. Rewards: Unlimited 1.5% cash back (1.50 points per $1 on 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.