Signature Credit Card
Rewards Credit Card
Visa Credit Card
Secured Credit Card

The card that rewards you for every dollar you spend.

Make every purchase more rewarding when you earn unlimited points-
1 point for every $1 spent with M&T Visa® Credit Card with Rewards.

 

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Unlimited points, unlimited opportunities

The choice is yours. Use your rewards as you earn them or save for something big. 

Earn unlimited points

Earn 1 point per $1 spent on every purchase, no earning limits.

This 10,000 Point Offer is a standalone offer and cannot be combined with any other M&T credit card offers unless otherwise specified. 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 customers 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. 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. 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 Point Offer 

Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.

This 10,000 Point Offer is a standalone offer and cannot be combined with any other M&T credit card offers unless otherwise specified. 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 customers 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. 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. 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.

No annual fee

Use your card year-round without paying an annual fee. That's more savings for you.

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.  

Low intro rate offer

0% intro APR on purchases and balance transfers for 12 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable 16.49% - .49% APR thereafter.

 

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.  

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
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking (not available for Business Debit Cards). Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply. 

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.

Visit M&T Rewards for complete details on the program and to view the rewards catalog.

Have questions about M&T Rewards? Get answers by visiting our M&T Rewards F A Qs page.

Get Started

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.

Apply Online > Book an Appointment >

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. 

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Hardship Assistance Options

If you need help with your credit card payments, contact us to discuss your options.

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Credit Card Rate Handler

Credit Card Data

Version RD APRL APRH APRO APRC
NOR 8/7/2024 15.49% 22.49% 27.49% 27.49%
REW 8/7/2024 16.49% 23.49% 27.49% 27.49%
SIG 8/7/2024 19.49% 23.49% 27.49% 27.49%
SCC 8/7/2024 NA 22.49% 27.49% 27.49%

 

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 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.