Earn cash back with each purchase.

Use the M&T Visa® Signature Credit Card to earn points and redeem however you want – cash back, gift cards or travel.

You’ve earned it. 

That’s why we've designed the M&T Signature® Credit Card to reward you for what you purchase.

 

Get 1.5% cash back

Earn unlimited 1.5% cash back on every purchase.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to residents of the United States who open and use a new M&T Visa® Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. 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.

No earning limits

All purchases are eligible to earn the same rate of cash back year-round with no rotating bonus categories or earning limits.

Earn $100 cash bonus

Earn 10,000 bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to residents of the United States who open and use a new M&T Visa® Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. 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.

Low intro rate offers

0% introductory APR on purchases and balance transfers for 12 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable 11.24%–18.24% APR thereafter.

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.

No annual fee

Use your card year-round without paying an annual fee. That's more savings for you. 

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.

No foreign fees

No foreign transaction fees when you travel outside of the U.S.

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.

Features available with all M&T Visa Credit Cards.

Take advantage of these great benefits right away

  • Manage your account with M&T Online and Mobile Banking
  • Immediate credit line availability when paying your credit card online from an M&T account
  • Customize your own card design at no cost
  • Add your card to your digital wallet
  • Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds
  • Service your card online, by phone or at a branch

Focus on security

  • Help prevent, detect and resolve fraud with M&T Assurance®
  • Globally accepted chip and contactless technology
  • Receive security alerts to your mobile phone
  • Temporarily lock your card if you have misplaced it
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.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
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. 

It's the little things that can make a big difference.

Get rewarded for all of your purchases with the M&T Rewards program.

  • Watch your rewards grow while you shop, make bill payments and more.

  • Log in to Online or Mobile Banking to review your balance and redeem Rewards points.

  • Automatically redeem points for cash back or statement credit. 

  • Visit M&T Rewards for complete details on the program and to view the rewards catalog.

Receive additional Visa® benefits just for being a Visa Signature cardholder.

  • Take advantage of the Visa Signature Concierge for assistance with travel planning, entertainment tickets and more.

  • Add piece of mind to your trip with travel accident insurance.

  • Feel protected while traveling with 24/7 travel emergency assistance.

  • Learn more with the Visa Signature Benefits Guide.

Have questions about M&T Rewards? Get answers by visiting our M&T Rewards F A Qs page.

Get Started

The application process is simple.

Current M&T customers can apply online or visit their nearest branch. New customers can set up an appointment to take the next steps. Prefer to talk to someone? Both current and new customers can apply by phone at 1-800-724-3222.

Make a Credit Card Payment

Already have an M&T credit card? We offer a number of different ways to make your payment, so you can choose the most convenient method for you. 

Hardship Assistance Options

If you need help with your credit card payments, contact us to discuss your options.

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.
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.
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to residents of the United States who open and use a new M&T Visa® Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. 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.