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
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 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
Sign up for Alerts
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 eStatements
Increase your security and reduce clutter by receiving your statements and notices online.
Explore Rewards and Benefits
Access your Rewards
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 purchase protection and more. To learn more, visit Visa Card Benefits.
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.
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 protection
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.