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M&T Visa Signature Credit Card

M&T Visa® Signature
Credit Card

Get the earning power you deserve & more

  • Unlimited 1.5% cash back on every purchase1
  • 10,000 bonus points after $1,000 in purchases within 90 days of account opening; good for $100 cash1
  • Redeem for cash, travel, gift cards, merchandise, great experiential rewards, and more
  • No Foreign Transaction fee on purchases made outside the U.S.2
  • No Annual Fee2
  • Global acceptance with chip technology
  • Exclusive Signature benefits such as annual summary statements, complimentary concierge service, travel protection and more. Learn More >
  • 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 -  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, Mobile App
  • Overdraft Protection - Link your M&T Bank Visa Credit Card to your M&T Bank checking account for overdraft protection2
  • Customize your M&T credit card3

1. 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 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.

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

3. Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. A $2.95 image set-up fee for each newly approved custom card design may apply. One fee will be charged per approved custom design. Replacement cards will not incur this fee if the custom design remains unchanged. The “Identify Yourself” card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.

M&T Bank Visa Credit Card Agreement.

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