Last updated on February 22nd, 2023
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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 with Rewards Review
The M&T Visa Credit Card with Rewards offers cardholders the ability to earn 1 bonus point for every dollar spent on all purchases. Even better, there are no restrictions on how many points you can receive. These rewards apply to future travel, cash, statement credits, gift cards, immersive experiences, merchandise, and more.
M&T Visa Credit Card with Rewards cardholders can also earn 10,000 bonus points after spending $500 in purchases within the first 90 days of opening the account. 10,000 rewards points equate to $100 in cash, providing holders impressive benefits with an average spend of roughly $177 per month.
The card boasts no annual fee, no foreign transaction fees on purchases made outside the U.S., and a 0% introductory APR for the first 12 months of opening the account. Once the introductory purchase APR ends, cardholders can expect a highly competitive APR compared to other similarly positioned rewards credit cards.
M&T Visa Credit Card with Rewards cardholders can also benefit from M&T Assurance, which provides comprehensive protection and assistance for the prevention, detection, and resolution of any fraudulent activities on their card. These security features include 24/7 dedicated customer support, chip technology, and M&T alerts designed to provide instant notifications in the event of any suspicious activities.
The card also benefits from global acceptance, thanks to the purchasing power of the Visa network of merchants, as well as both chip and contactless technology. Also, the card allows for digital payment through mobile apps, such as Apple Pay®, Google Pay™, or Samsung Pay. The card is also customizable – meaning you can make the M&T Visa Credit Card with Rewards a statement not only in quality but in your style.
Should You Apply for the M&T Visa Credit Card with Rewards?
The M&T Visa Credit Card with Rewards combines the benefits of the bank’s low rate M&T Bank Visa with a basic rewards credit card. Users enjoy an exceptional APR, 0% intro APR periods for both purchases and balance transfers, and the ability to earn 1X points on all purchases with no caps. The card isn’t exciting, like a premium rewards card, but it hits all the right notes – making it a solid option for those who choose to bank with M&T.