Earning points is easy with M&T Rewards.
Spend, earn and redeem your rewards for cash back, travel, gift cards and more.
Ways to redeem.
Whether you are saving for a trip, want to shop your favorite brands or redeem for cash, we have reward options for the points you earned.
Cash Back
Three ways to redeem.
Choose a statement credit to the card associated with your M&T Rewards account, a deposit to your M&T checking or savings or use points to cover a transaction that has posted to your credit card account with the ‘Pay Me Back’ option.
Explore Cash Back
Travel Booking
Take a trip.
Book flights, hotels, cruises and more for your next trip with no blackout dates on over 300 airlines.
Gift Cards
Redeem for gift cards.
Choose from hundreds of gift cards from your favorite stores or restaurants.
Merchandise
Shop favorite brands.
Shop from more than 2,000 merchandise items from name brands you love.
Events
Try something new.
Watch your favorite sports team, visit theme parks or try a new adventure with options for everyone.
Interested in rewards? Choose a card and start earning today.
No rotating categories. No earning limits. No annual fee.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
Personal
M&T Visa® Signature Credit Card
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® Credit Card with Rewards, M&T Visa Signature Credit Card or M&T Business Rewards 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 Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards and M&T Business Rewards 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.
Personal
M&T Visa® Credit Card with Rewards
Earn an unlimited 1 point per $1 spent 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® Credit Card with Rewards, M&T Visa Signature Credit Card or M&T Business Rewards 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 Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards and M&T Business Rewards 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.
Business
M&T Business Rewards Credit Card
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® Credit Card with Rewards, M&T Visa Signature Credit Card or M&T Business Rewards 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 Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards and M&T Business Rewards 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.
10,000
Bonus PointsEarn 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® Credit Card with Rewards, M&T Visa Signature Credit Card or M&T Business Rewards 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 Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards and M&T Business Rewards 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.
Track your rewards.
When you use your eligible M&T credit card, you earn points for every purchase. How and when you use them is up to you. You can view and redeem your rewards points by using M&T Online or Mobile Banking account or calling Rewards Customer Service at 1-866-579-2335.
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® Credit Card with Rewards, M&T Visa Signature Credit Card or M&T Business Rewards 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 Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards and M&T Business Rewards 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.
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking for Business. View the M&T Digital Services Agreement for additional details.
Questions? We're here to help.
Visa® is a registered trademark of Visa International Service Association.
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.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
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® Credit Card with Rewards, M&T Visa Signature Credit Card or M&T Business Rewards 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 Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards and M&T Business Rewards 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.