- 1 point per $1 spent on all purchases; earn unlimited points, and no earning cap
- Earn 10,000 bonus points after you spend $500 in the first 90 days - good for $100 cash back or rewards of your choice2
- 0% introductory APR for 12 billing cycles on purchases and balance transfers (variable APR between 11.24% and 18.24% thereafter). A 4% balance transfer fee will apply,
- No annual fee1,3
- Tap to Pay contactless technology for a fast, easy and more secure way to pay
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). One 10,000 bonus points offer per Program Account is available to residents of the United States who open and use a new M&T Visa® Credit Card with Rewards to make at least $500 in Purchases within the first 90 days after such Card is opened. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com
The offer is only valid for new M&T Visa® Credit Card accounts. 0% Introductory APR on purchases and balance transfers for the first 12 billing cycles. After 12 billing cycles, your rate for balance transfers will be the same as your purchase rate, and will vary with the market based on Prime Rate. As of 5/1/2020, the Annual Percentage Rate for purchases and balance transfers was between 11.24% - 18.24% for M&T Visa® Credit Card with Rewards, depending on creditworthiness. Your rate for cash advances will be 22.24% APR and will vary with the market based on Prime Rate. A fee of 3% ($10 minimum) of each cash advance transaction will apply. A fee of 4% (minimum $10) of the amount of each balance transfer will apply. A fee of $12.50 per day will apply to any overdraft transfer to a linked checking account. Your rate for overdraft advances will be 22.24% APR and will vary with the market based on Prime Rate. A fee of 3% of each foreign transaction converted into U.S. dollars will apply.
See pricing information
for complete Terms & Conditions associated with M&T Bank Visa Credit Cards.