Save on fees.
Plus, earn $100 cash bonus.The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). One 10,000 bonus points 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 to make at least $500 in Purchases within the first 90 days after such Card is opened. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. 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.
Make every purchase more rewarding. For a limited time, you can save
on balance transfer fees. Plus, you can still earn a $100 cash bonus
with the M&T Visa® Credit Card with Rewards.
Unlimited points, unlimited opportunities
The choice is yours. Use your rewards as you earn them or save for something big.
Earn unlimited points
Earn an unlimited 1 point per each $1 spent on every purchase, with no spending limit.
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.
Save on fees
No annual fee; plus 0% intro fees on balance transfers for the first 60 days from account opening (4% of each balance transfer afterwards). That's more savings for you.
Low intro rate offer
0% introductory APR on purchases and balance transfers for 12 billing cycles from account opening. Receive variable 12.74%-19.74% APR thereafter.
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
It’s the little things that can make a big difference.
Get rewarded for all of your purchases with M&T Rewards.
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.
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.
Credit Card Data