M&T Rewards F A Qs

Browse our list of F A Qs to learn more about our Rewards program. Log in to Online Banking to view your rewards points and access your rewards account.

What is the M&T Rewards Program?

​​M&T RewardsSM, is a program that gives M&T Bank customers the opportunity to earn M&T Rewards points for purchases made with their M&T Visa® Credit Card with Rewards,  M&T Visa® Signature Credit Card​ or M&T Business Rewards Credit Card. Points earned can be redeemed for cash value rewards, gift cards, merchandise, travel and other rewards.​

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). 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. Rewards points subject to change and/or discontinuation without notice. Additional exclusions and terms apply. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com.

​You can access your M&T Rewards account by using M&T Online and Mobile Banking or by calling the M&T Rewards Center at 1-888-448-6679.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). 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. Rewards points subject to change and/or discontinuation without notice. Additional exclusions and terms apply. 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. View the M&T Digital Services Agreement for additional details.

​​Your M&T Visa® Credit Card with Rewards, M&T Visa® Signature Credit Card, or M&T Business Rewards Credit Card will be automatically enrolled in M&T Bank Rewards​​ when you open your account. You can access your M&T Rewards account by using M&T Online and Mobile Banking or by calling the M&T Rewards Center at 1-888-448-6679.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). 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. Rewards points subject to change and/or discontinuation without notice. Additional exclusions and terms apply. 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”). 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. Rewards points subject to change and/or discontinuation without notice. Additional exclusions and terms apply. 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. View the M&T Digital Services Agreement for additional details.

​​Depending on your product, you will earn points as follows:

  • M&T Visa® Credit Card with Rewards customers earn an unlimited 1 point per $1 spent on all purchases
  • M&T Visa®​ Signature Credit Card customers earn an unlimited 1.5% cash back on purchases
  • M&T Business​ Rewards Credit Card customers earn an unlimited 1.5% cash back on purchases

​All M&T Rewards points that are not redeemed will expire at the end of the 48th month (4 years) from the time they were earned.

​To view your Rewards Program account information you can log into Online Banking at mtb.com.

  1. Log-in to Online Banking
  2. On the Account Summary Page, select the M&T Credit Card Account you would like to view rewards points from under “CREDIT CARDS AND LINES OF CREDIT”*
  3. On the Account Details Page, select the Redeem Your M&T Rewards button

From this point you will be taken via portal to the Rewards site where you can view your redemption options, redeem your points, and learn other program information.

*Note: This must be either an M&T Credit Card with Rewards, an M&T Visa Signature Card, or an M&T Business Rewards Card to be eligible.

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. View the M&T Digital Services Agreement for additional details.

​To view your Rewards Program account information through the mobile app make sure you have downloaded the latest version of the M&T Mobile Banking App. 

  1. Log-in to the app
  2. Under the “Credit Cards and Lines of Credit” section, select the M&T Credit Card Account you would like to view rewards points for.* 
  3. On the Account Details Page, select the Redeem button.

From this point you will be taken via portal  to the Rewards site where you can view your redemption options, redeem your points, and learn other program information.

*Note: This must be either an M&T Credit Card with Rewards, an M&T Visa Signature Card, or an M&T Business Rewards Card to be eligible.

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. View the M&T Digital Services Agreement for additional details.
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.