M&T Signature® Credit Card
Use the M&T Visa® Signature Credit Card to earn points and redeem however you want - cash back, gift cards or travel.
Unlimited 1.5% cash back
- Earn 1.5% cash back per $1 spent on every purchase.{{d1202*}}
No earning limits
- All purchases are eligible to earn the same rate of cash back year-round with no rotating bonus categories or earning limits.{{d1202*}}
10,000 Point Offer
- Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{{d1202*}}
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 %–% APR thereafter.{{d58*}}
No annual fee
- Use your card year-round without paying an annual fee.{{d58*}} That's more savings for you.
No foreign transaction fees
- No foreign transaction fees when you travel outside of the U.S.{{d58*}}
Credit Card Data
| Version | RD | APRL | APRH | APRO | APRC |
|---|---|---|---|---|---|
| NOR | 2/1/2026 | 13.74% | 20.74% | 25.74% | 25.74% |
| REW | 2/1/2026 | 14.74% | 21.74% | 25.74% | 25.74% |
| SIG | 2/1/2026 | 17.74% | 21.74% | 25.74% | 25.74% |
| SCC | 2/1/2026 | NA | 20.74% | 25.74% | 25.74% |
