Earn unlimited cash back with every purchase.
Use the M&T Visa® Signature Credit Card to earn points and redeem however you want - cash back, gift cards or travel.
You’ve earned it.
That’s why we've designed the M&T Signature® Credit Card to reward you for what you purchase.
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*}}
Features available with all M&T Visa Credit Cards.
Take advantage of these great benefits right away
- Manage your account with M&T Online and Mobile Banking
- Immediate credit line availability when paying your credit card online from an M&T account
- Customize your own card design at no cost{{d67*}}
- Add your card to your digital wallet
- Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds{{d143*}}
- Service your card online, by phone or at a branch
Focus on security
- Help prevent, detect and resolve fraud with M&T Assurance®
- Globally accepted chip and contactless technology
- Receive security alerts to your mobile phone{{d70*}}
- Temporarily lock your card if you have misplaced it
It's the little things that can make a big difference.
Get rewarded for all of your purchases with the M&T Rewards program.
Watch your rewards grow while you shop, make bill payments and more.
Log in to Online or Mobile Banking to review your balance and redeem Rewards points.
Automatically redeem points for cash back or statement credit.
Visit M&T Rewards for complete details on the program and to view the rewards catalog.
Receive additional Visa® benefits just for being a Visa Signature cardholder.
Take advantage of the Visa Signature Concierge for assistance with travel planning, entertainment tickets and more.
Add piece of mind to your trip with travel accident insurance.
Feel protected while traveling with 24/7 travel emergency assistance.
Learn more with the Visa Signature Benefits Guide.
Have questions about M&T Rewards? Get answers by visiting our M&T Rewards FAQs page.
The application process is simple.
GET STARTED
Current M&T customers can apply online or visit their nearest branch. New customers can set up an appointment to take the next steps. Prefer to talk to someone? Both current and new customers can apply by phone at 1-877-779-3525.
Make a Credit Card Payment
Already have an M&T credit card? We offer a number of different ways to make your payment, so you can choose the most convenient method for you.
Hardship Assistance Options
If you need help with your credit card payments, contact us to discuss your options.
Credit Card Data
| Version | RD | APRL | APRH | APRO | APRC |
|---|---|---|---|---|---|
| NOR | 1/1/2025 | 14.74% | 21.74% | 26.74% | 26.74% |
| REW | 1/1/2025 | 15.74% | 22.74% | 26.74% | 26.74% |
| SIG | 1/1/2025 | 18.74% | 22.74% | 26.74% | 26.74% |
| SCC | 1/1/2025 | NA | 21.74% | 26.74% | 26.74% |
