What you get
Rewards and benefits
How it earns
Unlimited 1.5% cash back Earn 1.5% cash back per $1 spent on every purchase.
- Rewards on eligible spending
- M&T customer relationship may be relevant
- Rewards program terms apply
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 to excellent 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 17.74%–24.74% 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 17.74%–24.74% 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 17.74%–24.74% APR thereafter.
- Foreign transaction fee
- No foreign transaction fees when you travel outside of the U.S.
- 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. Use the M&T Visa® Signature Credit Card to earn points and redeem however you want - cash back, gift cards or travel.
Conditions to know
- Reward earning and redemption rules are set by M&T.
- Rates, annual fees, and promotional offers should be confirmed in current pricing disclosures.
- Credit card availability may depend on where the applicant lives or banks.
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® Signature Credit Card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- 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 →
