M&T Rewards F A Qs

Get answers to our frequently asked questions about our M&T Rewards program. Log in to Online Banking to view your rewards points and access your rewards account.

General Program Questions

Most customers access their M&T Rewards account by using M&T Online Banking or the M&T mobile app. You can also get information about your account and redeem by phone by calling the Rewards Customer Service Center at 1-866-579-2335.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). Unless you are participating in a limited-time promotional offer, M&T Visa® Credit Cards with Rewards earn 1 point for every $1 in Purchases and 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. Rewards points are 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 Visa® Credit Card with Rewards, M&T Visa® Signature Card and M&T Business Rewards Credit Card are automatically enrolled in M&T Rewards at the time an account is opened, so point earning begins immediately.

The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). Unless you are participating in a limited-time promotional offer, M&T Visa® Credit Cards with Rewards earn 1 point for every $1 in Purchases and 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. Rewards points are 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.

To view your Rewards program account information, you can log into Online Banking or our mobile app.

  1. Log in to online banking or the mobile app
  2. On the Account Summary page, you can view your rewards points balance under the credit card section
  3. Select the account you wish to redeem
  4. On the Account Details page, select the “Redeem” button

From this point you will be taken via a secure portal to the Rewards site where you can view or redeem your points and other program information.

If you are a Business Rewards Credit Card cardholder, please contact your online banking admin to gain access to the company’s rewards.

There are no fees associated with your M&T Rewards account. Please refer to your Credit Card Agreement for all fees and terms associated with your credit card account.

The M&T Rewards Terms & Conditions can be found by going to rewards.mtb.com and clicking the Terms of Use link at the bottom of the page.

Earning Points and Retention

Your card is automatically enrolled in M&T Rewards and earns the following points for every purchase:

M&T Visa® Credit Card with Rewards: 1 point for every $1 spent 
M&T Visa® Signature Card: 1.5 points for every $1 spent
M&T Business Rewards Card: 1.5 points for every $1 spent

There is no limit to the amount of points you can earn on eligible purchases, unless otherwise specified within a special promotional offer.

Any transaction that posts as a purchase to your M&T Visa® Credit Card with Rewards, M&T Visa® Signature Credit Card, or M&T Business Rewards Credit Card will earn points. The chart below gives some examples of what does or does not qualify to earn points:

TRANSACTION TYPE EARN POINTS?
Store purchase Yes
Online purchase Yes
Digital wallet purchase Yes
Bill payment (automatic or one-time) Yes
Tax payment Yes
Balance transfer No
Cash advance No
Overdraft transfer to checking account No
Credit card fees No

Only authorized users can earn rewards points for the account. However, authorized users cannot use or redeem the rewards points. Only primary and joint owners will be able to redeem points.

Rewards do not expire; however, your rewards balance will be forfeited on the first day of the calendar month following the month in which your account becomes an inactive account. An inactive account refers to an account that has not used the associated credit card to make a purchase in the previous 12-month period. For example, if you make a purchase with your M&T credit card on January 15th, and do not make an additional purchase before January 15th of the following year, your point balance will then be forfeited on February 1st.

An active account, for the purposes of the M&T Rewards program, is an account that has made a purchase in the previous 12-month period. Transferring points, making payments on your outstanding balance and using your credit card for transactions that are not purchases (such as cash advances, overdraft advances, balance transfers, etc.) do not qualify your account to be considered an active account.

If your account is past due, you will be unable to redeem your points. However, no points will be lost, and your points will be made available again once the account is brought current.

If your account is closed by M&T Bank for any reason, any outstanding point balance will be forfeited immediately.

If your account is closed by you, you will have 45 days to redeem your points by calling 1-866-579-2335. After the 45-day window, any outstanding point balances will be forfeited. 

You will continue to have access to your existing point balance and points earned with your new card will continue to be added to your existing M&T Rewards account.

Point Value and Redemption

A point is worth $0.01 when redeemed for cash, gift cards or airline travel and worth approximately $0.01 when redeemed for items that may vary in value such as merchandise and travel packages.

All rewards communications & digital redemptions such as e-gift cards will be sent to the primary email address on file for the cardholder with M&T. To update your email address, log in to M&T Online Banking and select “My Profile”.  Please allow up to 72 hours for the changes to take effect within your Rewards Dashboard.

All rewards redemptions will be sent to the primary address on file for the credit card. Alternative addresses will not be accepted for rewards redemptions. To update your address on file, please stop in to your local branch or call the M&T Contact Center at 1-866-279-0888. Please allow up to 72 hours for the changes to take effect within your Rewards Dashboard.

The M&T Rewards program offers a variety of redemption options including cash back redemptions to an M&T Checking or Savings account, to your credit card in the form of statement credit, physical and e-gift cards, merchandise, and travel options including air, car rental and hotel. 

An authorized redeemer is an individual authorized by you, the primary or joint owner, to use or redeem rewards points. You can add someone to your Rewards account as an authorized redeemer by calling the Rewards Customer Service Center at 1-866-579-2335.

Authorized redeemers will need to call the Rewards Customer Service Center at 1-866-579-2335 in order to redeem rewards points. Authorized redeemers do not have access to your M&T Rewards account through the Rewards website.

Yes. There is a feature within your Rewards Dashboard called Pay Me Back.  Pay Me Back allows you to use points to cover a transaction that has posted to your credit card account. This is not a point of sale redemption option and partial redemptions cannot be made. You must have enough points to “erase” the full amount of the purchase. 

Purchases over $1 are eligible to “erase” if your point balance is greater than or equal to the points needed to redeem.

Eligible purchases must be made within the last 90 days. This period will not always align with your current statement.

All purchases will remain on your M&T Bank credit card statement; however, you will also see an M&T Rewards Statement Credit, with the description “M&T REWARDS PAY ME BACK”, on your next cycle for the value of the redemption. Please allow 2-3 business days for this to process and appear online.

You can book flights on any major US airline through M&T Rewards.

There are no booking fees when booking travel through M&T Rewards for airline, hotel or car rental bookings

For other travel redemptions, including cruise, vacation, attraction and event bookings, there are no booking fees if purchasing with rewards points or a combination of rewards points and a credit card. A booking fee may apply for other travel redemptions when purchased solely with a credit card and no rewards points.

Consumer Cardholders can combine their points by transferring points between M&T Rewards accounts by logging into their Rewards program account through M&T Online Banking or the M&T mobile app to transfer points to another account.

Cash Back

Cash back can be a statement credit to the credit card associated with your M&T Rewards account or a deposit posted to your M&T Bank checking or savings account.

You can redeem for cash back, or any of the available redemption options, by using the M&T mobile app, your online account or calling Rewards Customer Service at 1-866-579-2335.

Watch video on cash back redemption >

Absolutely. Log in to your Rewards program account using your M&T Online Banking account, the M&T mobile app or call 1-866-579-2335 to set up automatic redemption under the cash redemption option. Auto redemption is also referred to as ‘Sweep Your Rewards’. You can auto-redeem for credit card statement credits or cash deposited into your M&T checking or savings account.

The minimum threshold for automatic redemption is $50 (5,000 points). If enrolled in automatic redemption, and your point balance exceeds the $50 (5,000 points) threshold, you will receive a credit for the entire available points balance. For example, if you have earned 6,025 points, your account will receive a $60.25 credit when your automatic redemption takes place. If you have earned 4,500 points, you would not receive a credit as part of an automatic redemption because your point balance did not meet or exceed the minimum threshold of $50 (5,000 points).

Watch video on how to auto redeem >

All points redeemed through automatic redemption will be redeemed on the 15th (or first business day following the 15th) of every calendar month. Please allow two to three business days for the automatic redemption credit to post to the corresponding enrolled M&T checking, savings or credit card.

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”). Unless you are participating in a limited-time promotional offer, M&T Visa® Credit Cards with Rewards earn 1 point for every $1 in Purchases and 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. Rewards points are 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.