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.
![](/content/dam/mtb-web/images/m-t-rewards/woman-laptop-card-outside-fade.jpg)
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![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_copy/col_1/columns/col_1/columns/col_1/image.coreimg.jpeg/1618433075629/cruise-ship-thumb.jpeg)
Travel Booking
Take a trip.
Book flights, hotels, cruises and more for your next trip with no blackout dates on over 300 airlines.
![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_copy/col_1/columns/col_1/columns/col_2/image.coreimg.jpeg/1618433108307/gift-cards-thumb.jpeg)
Gift Cards
Redeem for gift cards.
Choose from hundreds of gift cards from your favorite stores or restaurants.
![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_copy/col_1/columns/col_1/columns/col_3/image.coreimg.jpeg/1618433110966/merchandise-thumb.jpeg)
Merchandise
Shop favorite brands.
Shop from more than 2,000 merchandise items from name brands you love.
![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_copy/col_1/columns/col_1/columns/col_4/image.coreimg.jpeg/1618433117413/events-thumb.jpeg)
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.
![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_572166453_co/col_1/columns/col_1/columns_1975631926/col_1/image.coreimg.jpeg/1619033112397/signature-cc.jpeg)
Personal
M&T Visa® Signature Credit Card
Earn unlimited 1.5% cash back on every purchase.
![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_572166453_co/col_1/columns/col_2/columns/col_1/image.coreimg.jpeg/1619033166759/rewards-cc.jpeg)
Personal
M&T Visa® Credit Card with Rewards
Earn an unlimited 1 point per $1 spent on every purchase.
![](/personal/personal-banking/credit-cards/m-and-t-credit-card-rewards/_jcr_content/root/responsivegrid/columns_572166453_co/col_1/columns/col_3/columns/col_1/image.coreimg.jpeg/1619033184388/biz-rewards-cc.jpeg)
Business
M&T Business Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase.
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.