M&T Visa Credit Card with Rewards

Make every purchase more rewarding when you earn unlimited points – 1 point for every $1 spent – with the M&T Visa® Credit Card with Rewards.

Top Features

Card Features

  • ​Earn an unlimited 1 point per $1 spent on every purchase​​
  • ​Earn 10,000 bonus points after $500 in purchases in the first 90 days – good for $100 cash
    • Redeem points for cash, gift cards, travel, merchandise and more
  • 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening. A 4% balance transfer fee will apply
  • Variable APR of 11.24%–18.24% thereafter
  • No annual fee
  • Choose your own card design at no cost
  • Multiple convenient ways to make payments, transfer funds, or review account detail

Security and Protection Features

  • M&T Assurance®​ for fraud prevention, detection and resolution
  • Global acceptance with chip and contactless technology
  • Receive the following alerts sent to your mobile phone:
    • If something unusual is detected on your account - respond quickly to suspicious activity alerts
    • Transaction alerts 
  • Ability to temporarily lock your Credit Card, if you have misplaced it

Payment Features

  • Easily pay for purchases at millions of stores around the world when you add your Credit Card to your Digital Wallet
  • Immediate credit line availability when paying your Credit Card online from an M&T account

Rates & Fees

Please review the complete list of rates and fees associated with this card.

Terms and Conditions (PDF) ›

Is this product right for you?

This product is best for people who:

  • Are interested in rewards and cash back
  • Regularly use credit cards for everyday purchases
  • Enjoy the convenience of online and mobile account management

How to Apply

You can apply for your M&T Visa Credit Card with Rewards in one of three ways:

​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 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.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. The "Identify Yourself" card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking (not available for Business Debit Cards). Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply.
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 full details.