What you get
Rewards and benefits
How it earns
Earn 3 points per $1 spent on groceries (up to $15,000 per year in purchases), 2 points per $1 spent on gas, 1 point per $1 spent on everything else
- Points on eligible purchases
- M&T rewards program
- Terms vary by account
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileGood credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. M&T Bank makes every lending decision.
- Annual fee and first-year pricing
- No annual fee Use your card year-round without paying an annual fee. That's more savings for you.
- Purchase APR
- 0% intro APR on purchases and balance transfers for 9 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable 15.74% - 22.74% APR thereafter.
- Introductory APR and duration
- 0% intro APR on purchases and balance transfers for 9 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable 15.74% - 22.74% APR thereafter.
- Balance transfers and fees
- 0% intro APR on purchases and balance transfers for 9 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable 15.74% - 22.74% APR thereafter.
- Redemption options and restrictions
- Automatically redeem points for cash back or statement credit. Log in to Online or Mobile Banking to review your balance and redeem Rewards points. Redeem points for cash back, statement credit, gift cards, merchandise, travel and more.
Conditions to know
- M&T lists one point per dollar on eligible purchases in current program information.
- See pricing disclosures for APR, fees, and exclusions.
- Rewards redemption options are governed by the program terms.
Recorded from M&T Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the M&T Visa® Credit Card with Rewards
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
