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M&T Visa Signature Credit Card
M&T Visa Signature Credit Card
- 19.24% or 23.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% or 23.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Visa Signature® Credit Card is a straightforward, no-nonsense, and no-frills cash rewards card. The card features no annual fee, no foreign transaction fee, and an introductory APR of 0% for 12 months. Cardholders can also benefit from unlimited 1.5% cash back on all purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 1.5% cash back on every purchase
- 0% introductory APR on balance transfers and purchases for 12 months
- No annual fee, No foreign transaction fees
- 10,000 bonus points after $500 in purchases the first 90 days
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You want uncomplicated cash back rewards
- You plan to make $500 in purchases in the first 3 months of opening the account
- You want 0% introductory APR and a low APR after that
- You do’t want to pay an annual fee
M&T Visa Credit Card with Rewards
M&T Visa Credit Card with Rewards
- 19.24% or 23.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% or 23.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% varies based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Visa Credit Card with Rewards offers cardholders to earn unlimited points – 1 point per dollar spent – which are redeemable for gift cards, cash, travel, and more. The card boasts no annual fee, no foreign transaction fees, an introductory 0% APR for 12 months, and an impressive, low typical APR after that.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR on balance transfers and purchases for 12 months
- No annual fee
- Earn 10,000 bonus points after $500 in purchases in the first 90 days
- Low APR after introductory period
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 19.24% or 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% varies based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You want a rewards card with no annual fee
- You want to earn an unlimited 1 point per every dollar spent
- You’re looking for the convenience to pay via multiple digital methods, including Apple Pay®, Google Pay™ or Samsung Pay
- You want a card with 0% introductory APR and a low APR after that
M&T Visa Credit Card
M&T Visa Credit Card
- 18.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% varies based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Visa Credit Card from M&T Bank is ideal for those who want a hassle-free credit card with a low APR, the convenience of multiple payment options, and the security and global purchasing power for which Visa is renowned. The card features no annual fee, no foreign transaction fees, and an introductory 0% APR on purchases and balance transfers for the first 12 months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- Ability to pay with Apple Pay®, Google Pay™ or Samsung Pay
- Low APR after 0% introductory period ends
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% varies based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You want a straightforward card with no annual fee
- You’re looking for the convenience to pay via multiple digital methods, including Apple Pay®, Google Pay™ or Samsung Pay
- You want a card with 0% introductory APR and a low APR after that
- You want peace of mind with your credit card’s security – especially when traveling abroad
M&T Business Rewards Credit Card
M&T Business Rewards Credit Card
- 17.24% or 24.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.24% or 24.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% varies based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Business Rewards Credit Card from M&T Bank provides companies with the ability to earn rewards on all purchases while including no annual fees and no foreign transaction fees. It also features a 0% introductory APR for 12 months and a highly competitive APR after that. New members can earn 10,000 bonus points with purchases of $500 in the first 3 months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 10,000 bonus points after making $500 in purchases during first 90 days
- No annual fee
- Add employee cards at no additional cost, plus the ability to manage spend limits for all users
- 0% intro APR on transactions and balance transfers for the first 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 17.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% varies based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You’re looking to earn unlimited 1.5% cash back on all your business purchases
- You want a business card with no annual fee and no foreign transaction fees
- You enjoy the convenience of multiple balance payment options and online and mobile account management
- You want a business card with 0% introductory APR for 12 months
M&T Business Credit Card
M&T Business Credit Card
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Business Credit Card provides an uncomplicated way to make everyday purchases without the fear of a high APR. The card features no annual fee and an introductory 0% APR on purchases and balance transfers for the first 12 months, followed by a competitive APR after that.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- No foreign transaction fees
- Global acceptance and chip technology for added security
- Additional cards for employees at no added cost
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 15.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You’re Interested in a straightforward and hassle-free business card
- You enjoy the convenience online, and mobile account management provides
- You enjoy the convenience online, and mobile account management provides
- You want a business card with no annual fee and no foreign transaction fees
You’ve viewed 5 of 5 credit cards
M&T Bank Rewards
Like other banks, M&T credit cards feature a basic rewards program. Points with M&T rewards credit cards apply to several redemption options, which include:
- Cash back
- Gift cards
- Merchandise
- Statement credits
- Travel
M&T points expire after five years. Points are void if the cardholder’s account is in bad standing or if they close their account.
The value of M&T rewards points varies depending on the redemption method, with travel offering better value than merchandise or gift cards. Certain M&T Bank credit cards require a minimum amount of points before redeeming for particular rewards. Redeeming points for airfare, for instance, requires at least 25,000 points.
FAQs About M&T Bank
Here are answers to some commonly asked questions and M&T, as well as M&T credit cards:
M&T Bank uses the FICO Score to judge an applicant’s creditworthiness. The bank also provides cardholders with access to their FICO score, though this feature is available from most credit card issuers.
The routing number for M&T is 022000046.
M&T stands for Manufacturers and Traders Trust Company, the original name for the bank in Buffalo, NY.
Yes, the bank offers a mobile banking app in both the Apple App Store and the Google Play Store.
Find the Best Card for You
The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.
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