| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Earn 1 point for every $1 spent on all eligible purchases with no spending cap. Points are earned on any transaction that posts as a purchase; cash advances, balance transfers, and fees do not earn points.
|
1x | Points | No cap |
| 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 to each transfer. After the introductory period, a variable APR applies.
|
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 the introductory period, a variable APR applies.
|
Financial | 0% for 12 billing cycles |
|
Immediate Credit Line Availability
When a credit card 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 with Rewards, making it a cost-free card for everyday use year-round.
|
Financial |
$0 annual fee
Up to $0
|
|
Overdraft Protection Linking
The credit card can be linked to an M&T Bank checking account to serve as overdraft protection in the event the checking account has insufficient funds. Fees apply for use of this service.
|
Financial | Available (fees apply) |
|
Digital Wallet Compatibility
The card can be added to digital wallets including Apple Pay®, Google Pay™, Samsung Pay, and Garmin Pay™, enabling contactless mobile payments wherever these services are accepted.
|
Lifestyle | Complimentary |
|
Online and Mobile Banking Account Management
Cardholders can manage their credit card account, view transactions, check reward balances, make payments, and redeem points through M&T Online Banking at mtb.com or the M&T Mobile Banking app for iOS and Android.
|
Lifestyle | Complimentary |
|
Authorized User Rewards Earning
Authorized users added to the account can earn rewards points for purchases they make on the account. Only primary and joint owners may redeem accumulated points.
|
Other | Complimentary |
|
Multi-Channel Account Servicing
Cardholders can service their account through multiple channels including M&T Online Banking, by phone, or in person at any M&T Bank branch location.
|
Other | Complimentary |
|
No Points Expiration (Active Accounts)
Rewards points do not expire as long as the account remains active (defined as having made at least one purchase in the prior 12-month period). Points are forfeited on the first day of the calendar month following the month in which the account becomes inactive.
|
Other | Complimentary |
|
No Rewards Earning Limit
There is no cap on the total number of points that can be earned on eligible purchases, unless otherwise specified in a special promotional offer.
|
Other | Unlimited |
|
No Rotating Bonus Categories
The M&T Rewards program has no rotating categories, sign-ups, or activations required. Cardholders earn a flat 1 point per $1 on all eligible purchases automatically.
|
Other | Complimentary |
|
Automatic Points Enrollment
The card is automatically enrolled in the M&T Rewards program at account opening with no enrollment fee, so point earning begins immediately on the first purchase.
|
Rewards | Complimentary |
|
Cash Back Redemption
Points can be redeemed for cash back deposited directly into an M&T Bank checking or savings account, or applied as a statement credit to the credit card account.
|
Rewards | 1 cent per point |
|
Experiences Redemption
Points may be redeemed for attractions, events, and other experiences available through the M&T Rewards catalog.
|
Rewards | Variable |
|
Gift Card Redemption
Points may be redeemed for gift cards from a wide selection of popular retailers and restaurants through the M&T Rewards portal.
|
Rewards | 1 cent per point |
|
M&T Payback Points™
Cardholders can use accumulated points to cover a specific purchase that has already posted to their credit card account, providing flexible redemption against recent transactions.
|
Rewards | 1 cent per point |
|
Merchandise Redemption
Points may be redeemed for merchandise from over 2,000 name-brand items available through the M&T Rewards catalog.
|
Rewards | Variable (point value may vary for merchandise) |
|
Travel Redemption
Points may be redeemed for travel bookings including flights, hotels, and vacation packages through the M&T Rewards portal.
|
Rewards | 1 cent per point |
|
Unlimited Points Earning
Cardholders earn 1 point for every $1 spent on all eligible purchases with no earning limits and no rotating bonus categories to track or activate.
|
Rewards | 1 point per $1 spent |
|
Welcome Bonus — 10,000 Points
New cardholders earn 10,000 bonus points (equivalent to $100 in cash value) after making at least $500 in purchases within the first 90 days from account opening. Account must remain open and in good standing at time of fulfillment.
|
Rewards |
10,000 points ($100 value)
Up to $100
|
|
Chip (EMV) Technology
The card features globally accepted EMV chip technology that provides enhanced security at chip-enabled terminals by generating a unique transaction code for each purchase.
|
Security | Complimentary |
|
Contactless (Tap to Pay) Technology
The card supports contactless payment technology, allowing cardholders to tap the card at compatible terminals for faster, secure transactions.
|
Security | Complimentary |
|
M&T Assurance℠ Fraud Protection
M&T Assurance provides comprehensive fraud prevention, detection, and resolution services including 24/7 dedicated customer support, real-time fraud monitoring, and assistance resolving fraudulent activity on the account.
|
Security | Complimentary |
|
Security Alerts via Mobile
Cardholders can receive security alerts and suspicious activity notifications sent to their mobile phone through M&T Online Banking. Certain alerts such as suspicious activity and card PIN change 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 purchases while the card is locked.
|
Security | Complimentary |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their card, providing protection against fraudulent charges per Visa's Zero Liability policy.
|
Security | Complimentary |
|
Custom Card Design
Cardholders can personalize their credit 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 |
