| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory APR on Balance Transfers
New cardholders receive a 0% introductory APR on balance transfers for 12 billing cycles from account opening; a balance transfer fee of 4% (minimum $10) applies per transfer.
|
Financial | 0% for 12 billing cycles |
|
0% Introductory APR on Purchases
New cardholders receive a 0% introductory APR on purchases for 12 billing cycles from account opening, after which a variable APR applies based on creditworthiness.
|
Financial | 0% for 12 billing cycles |
|
Immediate Credit Line Availability
When a payment is made online from a linked M&T Bank account, the credit line becomes immediately available, providing faster access to available credit.
|
Financial | Complimentary |
|
No Annual Fee
There is no annual fee to carry the M&T Visa® Credit Card, making it a cost-free card for everyday use year-round.
|
Financial |
$0 annual fee
Up to $0
|
|
Overdraft Protection Linking
The card can be linked to an M&T Bank checking account to serve as overdraft protection when the checking account has insufficient funds; an $8.00 overdraft transfer fee applies per transaction, charged no more than once per day.
|
Financial | Available (fees apply) |
|
Digital Wallet Compatibility
The card can be added to Apple Pay®, Google Pay™, Samsung Pay, and Garmin Pay™ for contactless mobile payments at compatible merchants.
|
Lifestyle | Complimentary |
|
Online and Mobile Banking Account Management
Full account management through M&T Online Banking at mtb.com and the M&T Mobile Banking app, including viewing transactions, making payments, and transferring funds.
|
Lifestyle | Complimentary |
|
Multi-Channel Account Servicing
Cardholders can service their account through M&T Online Banking, by phone at 1-877-779-3525, or in person at any M&T Bank branch location.
|
Other | Complimentary |
|
Contactless (Tap to Pay) Technology
The card supports contactless payment technology, allowing cardholders to tap at compatible point-of-sale terminals for fast, secure transactions.
|
Security | Complimentary |
|
EMV Chip Technology
Globally accepted EMV chip technology generates a unique transaction code for each purchase at chip-enabled terminals, providing enhanced security against counterfeit fraud.
|
Security | Complimentary |
|
M&T Assurance℠ Fraud Protection
Comprehensive fraud prevention, detection, and resolution service including real-time monitoring, 24/7 dedicated customer support, and full assistance resolving any unauthorized activity on the account.
|
Security | Complimentary |
|
Security Alerts via Mobile
Cardholders can receive security and suspicious activity alerts sent to their mobile phone through M&T Online Banking; certain alerts such as suspicious activity and card PIN changes cannot be disabled. Standard mobile carrier charges may apply.
|
Security | Complimentary |
|
Temporary Card Lock
Cardholders can temporarily lock their card through M&T Online or Mobile Banking if the card has been misplaced, preventing new transactions while the card is locked.
|
Security | Complimentary |
|
Visa Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their card, providing full protection against fraudulent charges per Visa's Zero Liability policy.
|
Security | Complimentary |
|
Custom Card Design
Cardholders can personalize their card with a custom image of their choice or select from hundreds of available designs through M&T Bank's online design studio at no additional cost.
|
Shopping | Complimentary |
