M&T Bank : M&T Rewards Credit Card
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M&T Visa Credit Card with Rewards

M&T Visa® Credit Card
with Rewards

Make everyday more rewarding

  • 1 point per $1 spent on all qualifying purchases; with unlimited points earning2
  • 10,000 bonus points after $1,000 in purchases within 90 days of account opening; good for $100 cash2
  • Redeem for cash, gift cards, travel, merchandise, great experiential rewards, and more
  • 0% Introductory APR on balance transfers for 12 months; Variable APR’s between 11.49% - 18.49% thereafter3
  • No Balance Transfer fee until March 31, 20161
  • No Annual Fee3
  • Global acceptance with chip technology
  • M&T Assurance: Have peace of mind using your M&T Bank credit card everywhere Visa® is accepted with:
    M&T Assurance logo
    • Fraud Prevention
    • Fraud Detection
    • Fraud Resolution

Apply Now:

Apply In Person In person at your local branch Apply Online Online through your Online Banking Account
(Log in to Online Banking and click "Open an Account" under the Accounts menu.)
Apply By Phone By Phone at 1-800-724-3222

Additional Services/Benefits of an M&T Bank Visa Credit Card:

  • Convenient access to your account - M&T Bank Visa Credit Cards give you a variety of account management options. Make payments, transfer funds or review account detail at any M&T Bank branch, M&T Bank ATM, by phone or via M&T Online Banking
  • Overdraft Protection - Link your M&T Bank Visa Credit Card to your M&T Bank checking account for overdraft protection3

1. This offer is only valid for new M&T Visa® Credit Card accounts. Introductory APR on balance transfers for the first 12 billing cycles. After 12 billing cycles, your rate for balance transfers will be the same as your purchase rate, and will vary with the market based on the Prime Rate. As of 2/1/16, the Annual Percentage Rate for purchases and balance transfers was between 10.49% and 17.49% for M&T Visa Credit Cards, between 11.49% and 18.49% for M&T Visa Credit Cards with Rewards and between 14.49% and 18.49% for M&T Visa Signature Credit Cards, depending on creditworthiness. Your rate for cash advances will be 22.49% and will vary with the market based on the Prime Rate. There is a $0 balance transfer fee until March 31, 2016, for all transfers made within 60 days of account opening; after that, a fee of 4% ($10 minimum) of the amount of each balance transfer will apply. A fee of $12.50 per day will apply to any overdraft transfers to a linked checking account. Your rate for overdraft advances will be 22.49% and will vary with the market based on the Prime Rate. A fee of 3% of each foreign transaction converted into U.S. dollars will apply.

2. The M&T Bank Rewards Program (“Program”) is subject to the M&T Bank Rewards Program Terms & Conditions (“Program Terms & Conditions”). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com. This 10,000 bonus points offer is available if you open a M&T Visa® Credit Card with Rewards or M&T Visa® Signature Credit Card and use that Card to make at least $1,000 in Qualifying Purchases (as defined in the Program Terms & Conditions) within the first three (3) months after such Card is opened. Offer not available on balance transfers or cash advance transactions. This offer is limited to new M&T Visa® Credit Card with Rewards and M&T Visa® Signature Credit Card customers who are residents of the United States. Additional exclusions and terms apply. One award per customer per such Card. Offer subject to change or discontinuation without notice. Additional exclusions may apply. As part of the Program, you can redeem the 10,000 bonus points you receive for a $100 deposit into your M&T checking account or a $100 MasterCard® gift card.

3. See pricing information for complete Terms & Conditions associated with M&T Visa credit cards.

M&T Bank Visa Credit Card Agreement.

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