How to Apply for the Canandaigua National Bank and Trust Complete Rewards Card

The Canandaigua National Bank and Trust Complete Rewards Card is a reasonable credit option for anyone looking for a basic rewards card. Its rewards program is relatively standard, offering 1 point per dollar spent on all purchases. However, you can earn 1.5 points on the dollar if you redeem your rewards as cash back deposits into a checking or savings account, which makes this particular credit card slightly more enticing than its competitors. Another plus is that your accumulated points can never expire and have no limit, so you don’t have to worry about them being wasted. There is no associated annual fee, however, the APR is slightly above average for a rewards card (see terms and conditions for details)Regardless of your assigned APR, you will receive a 0.00% APR on all purchases for the first 12 billing cycles from the opening date of your account. In addition to that, you will get 2,500 bonus points upon your first purchase (within the first 3 billing cycles). Successful applicants that take advantage of these bonuses will be able make purchases and accumulate points at no additional cost for the first year of their account being opened. If you’d like to apply for this credit card, scroll down the page and follow our step-by-step guide on how to apply online for the Canandaigua National Bank and Trust Complete Rewards Card.

This card is issued by First Bankcard. Before submitting your personal and financial information on their website, we recommend that you read through their privacy policy.


You must meet the following requirements to be eligible for this credit card:

  • Be at least 18 years of age
  • Have a valid SSN
  • Have a valid US mailing address

How to Apply

Step 1 – To start the application process for the Canandaigua National Bank and Trust Complete Rewards Card, follow this link to the Canandaigua National Bank credit card page and click the Apply Now link next to the Complete Rewards Card option.

Step 2 – Once you’ve arrived on the application form, start filling it out by typing the following Contact Information into the indicated spaces:

  • Full name
  • Physical address (including city, state and ZIP code)
  • Home phone number
  • Email address

Step 3 – To complete the next two sections, you will be asked to enter all of the information listed below.

  • Date of birth
  • SSN
  • Mother’s maiden name
  • Years at address
  • Housing status
  • Monthly housing payment


Step 4 – Now you will be asked to supply the following employment and financial information into the appropriate fields:

  • Present employer
  • Business phone number (optional)
  • Total annual income
  • Checking account balance (optional)
  • Savings account balance (optional)
  • Investment account balance (optional)


Step 5 – In this step, if you would like to transfer the balance of another credit card to this one, click the Click here link in the Balance Transfer window and provide the following information for each transfer:

  • Creditor name
  • Account number
  • Amount
  • Payment address (including city, state and ZIP code)



Step 6 – If you are interested in adding an additional authorized user to your account, enter their full name in the Authorized User window. When you are ready, click Continue to continue to the last step.


Step 7 – At this juncture, you can look over your application to ensure that all of the information you’ve submitted is accurate. Then, read through the terms and conditions for the Canandaigua National Bank and Trust Complete Rewards Card and, if you agree to them, check the little box located just below the disclaimer near the bottom of the page. When you are ready to proceed, click Submit to submit your application.


Congratulations! If you have correctly followed all of the above steps, your application is submitted for review. You should expect a response within one business week. We wish you the best of luck and we thank you for visiting Card Reviews.