Earning points is easy with M&T Rewards.
Spend, earn and redeem your rewards for cash back, travel, gift cards and more.
Ways to redeem.
Whether you are saving for a trip, want to shop your favorite brands or redeem for cash, we have reward options for the points you earned.
Three ways to redeem.
Cash Back
Choose a statement credit to the card associated with your M&T Rewards account, a deposit to your M&T checking or savings or use points to cover a transaction that has posted to your credit card account with the ‘Pay Me Back’ option.
Take a trip
TRAVEL BOOKING
Book flights, hotels, cruises and more for your next trip with no blackout dates on over 300 airlines.
Redeem for gift cards
GIFT CARDS
Choose from hundreds of gift cards from your favorite stores or restaurants.
Shop favorite brands
MERCHANDISE
Shop from more than 2,000 merchandise items from name brands you love.
Try something new
EVENTS
Watch your favorite sports team, visit theme parks or try a new adventure with options for everyone.
Interested in rewards? Choose a card and start earning today.
No rotating categories. No earning limits. No annual fee.{{d58*}}
M&T Visa® Signature Credit Card
PERSONAL
Earn unlimited 1.5% cash back on every purchase.{{d743*}}
M&T Visa® Credit Card with Rewards
PERSONAL
Earn an unlimited 1 point per $1 spent on every purchase.{{d743*}}
M&T Business Rewards Credit Card
BUSINESS
Earn unlimited 1.5% cash back on every purchase.{{d743*}}
Track your rewards.
When you use your eligible M&T credit card, you earn points for every purchase.{{d743*}} How and when you use them is up to you. You can view and redeem your rewards points by using M&T Online or Mobile Banking{{d478*}} account or calling Rewards Customer Service at 1-866-579-2335.
