Get the most of your M&T Visa Credit Card.

Check out the exclusive benefits, rewards, and services you enjoy as an M&T Visa® Credit Card customer. Learn how you can get the most from your card — from earning more rewards to convenient ways to manage your account.

Activate Your Card
Enroll in Online & Mobile Banking
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Benefits
The M&T Rewards program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com.
Security & Convenience

M&T offers more than "just" a card. 

Here's how to get started using your card, and stay connected online and on the go. 

Activate your card

  • Activate your new M&T Visa Credit Card

    When you receive your card, call 1-800-724-4411 to activate and create your PIN.

  • Show your style

    Have a favorite photo? Customize your new M&T Visa Card with the image of your choice or choose one from the hundreds available at our online design studio for free.

Enroll

  • Enroll in M&T Online Banking

    Manage your account from nearly anywhere. Make payments, access your credit line and get other time-saving account management tools so you can bank on your own schedule. Enroll today.

  • Download the M&T Mobile Banking app

    Easily manage your accounts on the go from your phone with our iPhone® and Android apps.

    Android™ OS version 4.0.3 and later

    iPhone iOS® version 8 and later

  • Sign up for Alerts2Disclosure number, please reference additional details in the Disclosures section at the bottom of this page.

    Get suspicious activity alerts as well as timely transaction updates - transaction approved or transaction declined - sent right to your mobile phone via email, text message or mobile app notification. Enroll in minutes.

  • Set up automatic bill payments

    Whether you're paying rent, utility bills, gym memberships, TV or online subscriptions, use your M&T Visa Card to handle these and other recurring payments. Simply contact your service providers and update your payment details.

  • Sign up for eStatements2Disclosure number, please reference additional details in the Disclosures section at the bottom of this page.

    Increase your security and reduce clutter by receiving your statements and notices online.

Alerts and eStatement services are not available for M&T Secured Credit Card customers.
Alerts and eStatement services are not available for M&T Secured Credit Card customers.

Explore Rewards and Benefits

  • Access your Rewards1Disclosure number, please reference additional details in the Disclosures section at the bottom of this page.

    Are you an M&T Visa with Rewards or Signature cardholder? View your Rewards account and access your Rewards dashboard through Online and Mobile Banking. Rewards range from travel, gift cards, cash back, merchandise and more.

  • Take advantage of exclusive Visa benefits

    Your card is backed by the power of Visa and an array of travel and shopping conveniences - Roadside Dispatch, Emergency card replacement/emergency cash when traveling and Visa's Zero Liability 3Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. purchase protection and more. To learn more, visit Visa Card Benefits.

The M&T Rewards program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com.
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. See your cardholder agreement for more details.

Security and Convenience

  • Update your digital wallet

    Make paying with your phone or wearable device even easier when you add your M&T Visa Credit Card to your digital wallet. And remember to make your M&T Visa Card your card of choice for your favorite apps like Amazon®, Starbucks®, Uber™, and more!

  • Explore ways to make a payment

    We offer a variety of ways to make your payment, so you can choose the most convenient method for you.

  • Security

    Strengthen the security of each transaction you make with chip technology and contactless payment capability. We are always working to defend against card fraud with M&T Assurance to help prevent, detect and resolve card fraud.

  • Add overdraft protection4Disclosure number, please reference additional details in the Disclosures section at the bottom of this page.

    Link your M&T Visa Credit Card to your checking account for overdraft protection. We will automatically transfer funds from your Credit Card to your checking account up to your available credit limit, in the event you don't have sufficient available funds in your checking account to cover an item. Call 1-866-279-0888 or visit any branch to sign up.

  • Add an authorized user

    Add your loved ones as authorized users to your account in minutes using Mobile or Online Banking. If you need additional assistance, just visit any M&T branch or call 1-866-279-0888. Authorized users get their own M&T Credit Card.

Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.

Thank you for choosing the M&T Visa® Credit Card. We want to exceed your expectations.
For personal assistance - call 1-866-279-0888.

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Visa® is a registered trademark of Visa International Service Association. All other service marks and trade names referenced in this material are the property of their respective owners.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.  
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd. Android, Google and Google Pay are trademarks of Google LLC. Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, or Samsung Electronics Co., Ltd.
The M&T Rewards program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com.
Alerts and eStatement services are not available for M&T Secured Credit Card customers.
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. See your cardholder agreement for more details.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.

Disclosures:

  1. The M&T Rewards program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com.
  2. Alerts and eStatement services are not available for M&T Secured Credit Card customers.
  3. The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. See your cardholder agreement for more details.
  4. Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
  • Visa® is a registered trademark of Visa International Service Association. All other service marks and trade names referenced in this material are the property of their respective owners.
  • Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.  
  • Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd. Android, Google and Google Pay are trademarks of Google LLC. Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, or Samsung Electronics Co., Ltd.