M&T Bank : M&T Signature Credit Card
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M&T Visa Signature Credit CardM&T Visa Signature Credit Card
  • M&T Bank Rewards -  earn 11,000 bonus points with purchases of $1,000 within 3 months of account opening1
  • Earn up to 35% annual points dividend on your yearly spend1
  • 0% Introductory APR on balance transfers for 12 months - Variable rates as low as 11.24% thereafter**
  • No Foreign Transaction Fees**
  • $0 Annual Fee**

*See rewards information
**See pricing information

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

  • Convenient access to your account - M&T 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 ATM, by phone or via M&T Web Banking
  • Exclusive Signature benefits - Concierge service, Travel protection, Preferred Access to events, Special Offers from premium retailers and other travel perks. Learn More >
  • Flexible Payment Terms - Choose how you'd like to pay your bill - beginning, middle or end of the month. You can setup auto-payment and never have to worry about missing a payment.
  • Visa payWave Visa payWave symbol- Check out faster at thousands of merchants, wherever a Visa Credit Card is accepted. Learn More >
  • Visa Zero Liability Policy - With $0 Liability, you won't pay for any unauthorized charges made with your credit card2
  • Overdraft Protection - Link your M&T Visa Credit Card to your M&T checking account for overdraft protection3. Learn More >

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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 11,000 bonus points offer is available after $1,000 in qualifying purchases are made within the first three (3) months after account opening. 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. Offer subject to change or discontinuation without notice. Additional exclusions may apply. For M&T Visa Signature Credit Cards, (a) if the total dollar amount of Qualifying Purchases (as defined in the Program Terms & Conditions) in the previous Year (as defined below) using your M&T Visa Signature Credit Card is less than US$50,000, you will receive a yearly bonus of rewards points equal to 10% of the total dollar amount of such Qualifying Purchases; or (b) if the total dollar amount of Qualifying Purchases in the previous Year using your M&T Visa Signature Credit Card is equal to or more than US$50,000, you will receive a yearly bonus of rewards points equal to 35% of the total dollar amount of such Qualifying Purchases. (“Year” means (i) for your first year as a card member, the period beginning with your enrollment date through your December statement date of that same year and (ii) for each year thereafter, the twelve month calendar period). Your 10% or 35% bonus rewards points will be credited to your Program Account after the end of the relevant Year, either in February or March. This 10% or 35% bonus points offer is limited to M&T Visa® Signature Credit Card customers who are residents of the United States. Additional exclusions and terms apply. One 10% or 35% bonus points award per Program Account (as defined in the Program Terms & Conditions). Offer subject to change and/or discontinuation without notice. Qualifying Purchases generally include signature-based, Internet, mail-order, phone-order, or small dollar purchases for which the merchant does not require you to sign in addition to automatic bill payments. Purchases made using a personal identification number (PIN) or any purchase you initiate through identification technology that substitutes for a PIN are not Qualifying Purchases. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, fees, finance charges, unauthorized/fraudulent transactions and certain other charges do not earn points.

2. Covers U.S. issued cards only. Visa Zero Liability Policy does not apply to ATM transactions or PIN transactions not processed by Visa. May not apply in other situations based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use and transaction at issue must be posted to your account before provisional credit may be issued. See your credit card agreement for more details.

3. Fees may apply to use of overdraft protection services.

M&T Visa Credit Card Agreement.

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