| Interest Rate Information
Credit Card Survey
National Bank of Geneva
National Bank of Geneva Two Seneca Street, Geneva, NY 14456 315-789-2300
Visa Business Classic
| Purchases | | Cash Advance |
|---|
| APR Purchases | 15.48% F | | APR Cash Advance | 15.48% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $35.00 | | Cash Fee | 2%/$2-$10 | | Late Payment Fee | $25.00 | |
|
| | Over the Limit Fee | $25.00 | |
|
| | Restrictions | Available in Yates, Ontario, Seneca, Wayne and Cayuga Counties. |
National Bank of Geneva Two Seneca Street, Geneva, NY 14456 315-789-2300
Visa Personal Classic
| Purchases | | Cash Advance |
|---|
| APR Purchases | 15.48% F | | APR Cash Advance | 15.48% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $15.00 | | Cash Fee | 2%/$2-$10 | | Late Payment Fee | $25.00 | |
|
| | Over the Limit Fee | $25.00 | |
|
| | Restrictions | Available in Yates, Ontario, Seneca, Wayne and Cayuga Counties. |
National Bank of Geneva Two Seneca Street, Geneva, NY 14456 315-789-2300
Visa Personal Gold
| Purchases | | Cash Advance |
|---|
| APR Purchases | 15.48% F | | APR Cash Advance | 15.48% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $40.00 | | Cash Fee | 2%/$2-$10 | | Late Payment Fee | $25.00 | |
|
| | Over the Limit Fee | $25.00 | |
|
| | Restrictions | Available in Yates, Ontario, Seneca, Wayne and Cayuga Counties. |
National Bank of Vernon
National Bank of Vernon PO Box 890 5238 West Seneca, Vernon, NY 13476 315-829-2405
MasterCard Personal Standard
| Purchases | | Cash Advance |
|---|
| APR Purchases | 11.90% F | | APR Cash Advance | 14.90% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5 min | | Late Payment Fee | $20.00 | |
|
| | Over the Limit Fee | $20.00 | |
|
| | Restrictions | Available in banking area of Central New York, Utica area only. APR may vary depending on creditworthiness. |
National Bank of Vernon PO Box 890 5238 West Seneca, Vernon, NY 13476 315-829-2405
Visa Personal Classic
| Purchases | | Cash Advance |
|---|
| APR Purchases | 11.90% F | | APR Cash Advance | 14.90% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | $3%/$5 min | | Late Payment Fee | $20.00 | |
|
| | Over the Limit Fee | $20.00 | |
|
| | Restrictions | Available in banking area of Central New York, Utica area only. APR may vary depending on creditwothiness. |
National City Bank
National City Bank 1900 East 9th Street, Cleveland, OH 44114 888-622-8434
| Purchases | | Cash Advance |
|---|
| APR Purchases | 0.00% F | | APR Cash Advance | 0.00% F | | Grace Period | no grace period | | GracePeriod | no grace period | | Annual Fee | $0.00 | | Cash Fee | 0 | | Late Payment Fee | $0.00 | |
|
| | Over the Limit Fee | $0.00 | |
|
| | Restrictions | |
National City Bank 1900 East 9th Street, Cleveland, OH 44114 888-622-8434
Visa Personal Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 10.90% F | | APR Cash Advance | 10.90% F | | Grace Period | 20 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3% | | Late Payment Fee | $35.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | Elite Visa. 5% to 25% rebates for online shopping through PrimeRebates.com |
National City Bank 1900 East 9th Street, Cleveland, OH 44114 888-622-8434
Visa Rebate Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 9.90% F | | APR Cash Advance | 9.90% F | | Grace Period | 20 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3% | | Late Payment Fee | $35.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | Cash Back: CashBuilder Elite Visa. Up to 2% cash back annually ($1,000 max); .50% cash back $0-$2,000; 1.00% cash back $2,001-$40,000; 2.00% cash back over $40,000. 5% to 25% rebates for online shopping through PrimeRebates.com. |
National City Bank 1900 East 9th Street, Cleveland, OH 44114 888-622-8434
Visa Rebate Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 9.90% F | | APR Cash Advance | 9.90% F | | Grace Period | 20 Days from billing | | Grace Period | no grace period | | Annual Fee | $29.00 | | Cash Fee | 3% | | Late Payment Fee | $35.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | Air Miles: First Air Elite Visa. Earn one travel point for every dollar purchased; 2,500 points upon approval and an additional 2,500 points with a balance transfer of $2,500 or more. 5% to 25% rebates for online shopping through PrimeRebates.com. |
NBT Bank, NA
NBT Bank, NA 52 South Broad Street, Norwich, NY 13815 315-384-4206
MasterCard Personal Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 12.99% F | | APR Cash Advance | 12.99% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5-$50 | | Late Payment Fee | $29.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | New York State |
NBT Bank, NA 52 South Broad Street, Norwich, NY 13815 315-384-4206
MasterCard Personal Standard
| Purchases | | Cash Advance |
|---|
| APR Purchases | 12.99% F | | APR Cash Advance | 12.99% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5-$50 | | Late Payment Fee | $29.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | New York State |
NBT Bank, NA 52 South Broad Street, Norwich, NY 13815 315-384-4206
Visa Personal Classic
| Purchases | | Cash Advance |
|---|
| APR Purchases | 12.99% F | | APR Cash Advance | 12.99% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5-$50 | | Late Payment Fee | $29.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | New York State |
NBT Bank, NA 52 South Broad Street, Norwich, NY 13815 315-384-4206
Visa Personal Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 12.99% F | | APR Cash Advance | 12.99% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5-$50 | | Late Payment Fee | $29.00 | |
|
| | Over the Limit Fee | $29.00 | |
|
| | Restrictions | New York State |
Nordstrom National Credit Bank
Nordstrom National Credit Bank , Scottsdale, AZ 85260 303-397-4700
Visa Rebate Classic
| Purchases | | Cash Advance |
|---|
| APR Purchases | 10.90% V | | APR Cash Advance | 10.90% V | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5 min | | Late Payment Fee | $20.00 | |
|
| | Over the Limit Fee | $0.00 | |
|
| | Restrictions | Merchandise: Earn 2 points for every net dollar charged on products & services at Nordstrom stores. For every 2,000 points you'll receive a $20 merchandise certificate. |
Nordstrom National Credit Bank , Scottsdale, AZ 85260 303-397-4700
Visa Rebate Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 10.90% V | | APR Cash Advance | 10.90% V | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$5 min | | Late Payment Fee | $20.00 | |
|
| | Over the Limit Fee | $0.00 | |
|
| | Restrictions | Merchandise: Earn 2 points for every net dollar charged on products & services at Nordstrom stores. For every 2,000 points you'll receive a $20 merchandise certificate. |
North Fork Bank
North Fork Bank , New York, NY 10023 212-764-1001
| Purchases | | Cash Advance |
|---|
| APR Purchases | 0.00% F | | APR Cash Advance | 0.00% F | | Grace Period | no grace period | | GracePeriod | no grace period | | Annual Fee | $0.00 | | Cash Fee | 0 | | Late Payment Fee | $0.00 | |
|
| | Over the Limit Fee | $0.00 | |
|
| | Restrictions | |
North Fork Bank , New York, NY 10023 212-764-1001
MasterCard Rebate Platinum
| Purchases | | Cash Advance |
|---|
| APR Purchases | 9.90% F | | APR Cash Advance | 19.99% F | | Grace Period | 25 Days from billing | | Grace Period | no grace period | | Annual Fee | $0.00 | | Cash Fee | 3%/$10-$75 | | Late Payment Fee | $39.00 | |
|
| | Over the Limit Fee | $39.00 | |
|
| | Restrictions | Travel: Earn 1 point per $1 of new net retail purchases. Points can be redeemed for Air travel, auto rental, hotel, merchandise, gift certificates and cash. APR may vary depending upon creditworthiness. |
Northwest Airlines WorldPerks/US Bank
Northwest Airlines WorldPerks/US Bank 601 Second Avenue South, Minneapolis, MN 55402 800-360-2900
Visa Rebate Classic
| Purchases | | Cash Advance |
|---|
| APR Purchases | 14.00% V | | APR Cash Advance | 14.00% V | | Grace Period | 20 Days from billing | | Grace Period | no grace period | | Annual Fee | $55.00 | | Cash Fee | 3%/$5 | | Late Payment Fee | $38.00 | |
|
| | Over the Limit Fee | $35.00 | |
|
| | Restrictions | Air Miles: Northwest Airlines; $1=1 mile; over $10,000, $2=1 mile. |
Northwest Airlines WorldPerks/US Bank 601 Second Avenue South, Minneapolis, MN 55402 800-360-2900
Visa Rebate Gold
| Purchases | | Cash Advance |
|---|
| APR Purchases | 14.00% V | | APR Cash Advance | 14.00% V | | Grace Period | 20 Days from billing | | Grace Period | no grace period | | Annual Fee | $90.00 | | Cash Fee | 3%/$5 | | Late Payment Fee | $38.00 | |
|
| | Over the Limit Fee | $35.00 | |
|
| | Restrictions | Air Miles: Northwest Airlines; $1=1 mile; over $10,000, $2=1 mile. |
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Last Modified: Wednesday, June 30, 2004 by bankrate.com®, a publication of Bankrate, Inc., North Palm Beach, FL 33408© 2004: bankrate.com®; All rights reserved. |
