| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Purchases
Earn 1.5 points per $1 spent on every eligible purchase with no earning limits, no rotating categories, and no activations required.
|
1.5x | 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 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® Signature Credit Card, making it a zero-cost card for ongoing everyday use.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
The card charges no foreign transaction fees on purchases made outside the United States, making it suitable for international travel and foreign-currency online purchases.
|
Financial | 0% foreign transaction fee |
|
Overdraft Protection Linking
The card can be linked to an M&T Bank checking account to serve as overdraft protection; an $8.00 overdraft transfer fee applies per transaction, charged no more than once per day.
|
Financial | Available (fees apply) |
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for physical damage, theft, and loss-of-use charges on most rental vehicles when the cardholder declines the rental company's collision damage waiver and charges the full rental to the card; covers rental periods up to 15 consecutive days domestically and 31 days internationally.
|
Insurance | Up to actual cash value of the vehicle |
|
Extended Warranty Protection
Doubles the original U.S. manufacturer's written warranty period up to one additional year on eligible items with warranties of three years or less, when the purchase is made with the card; includes warranty registration services.
|
Insurance | Up to 1 additional year |
|
Purchase Security
Replaces, repairs, or reimburses eligible items of personal property purchased with the card that are stolen or accidentally damaged within 90 days of purchase; coverage is up to $500 per claim.
|
Insurance |
Up to $500 per claim
Up to $500
|
|
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, checking reward balances, making payments, and redeeming points.
|
Lifestyle | Complimentary |
|
Roadside Dispatch
Pay-per-use 24/7 roadside assistance service that dispatches a service provider for towing (up to 5 miles), jump starts, tire changes, locksmith services, and fuel delivery; cardholders pay a set fee per service call directly to the service provider.
|
Lifestyle | Pay-per-use (flat fee per call) |
|
Authorized User Rewards Earning
Authorized users added to the account can earn M&T Rewards points on purchases they make; only primary and joint account holders may redeem accumulated points.
|
Other | Complimentary |
|
Multi-Channel Account Servicing
Cardholders can service their account through 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 the account becomes inactive or is closed.
|
Other | Complimentary |
|
No Rewards Earning Limit
There is no annual cap on the total number of points that can be earned on eligible purchases, unless otherwise specified within a limited-time 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 1.5 points per $1 on all eligible purchases automatically year-round.
|
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 may be redeemed for cash back deposited into an M&T Bank checking or savings account, or applied as a statement credit to the associated credit card account.
|
Rewards | 1 cent per point |
|
Experiences Redemption
Points may be redeemed for attractions, sports events, entertainment, 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 Pay Me Back Points™
Cardholders can use accumulated points to cover a specific purchase that has already posted to their credit card account; full purchase amount must be covered — partial redemptions are not permitted.
|
Rewards | 1 cent per point |
|
Merchandise Redemption
Points may be redeemed for merchandise from over 2,000 name-brand items through the M&T Rewards catalog; point value may vary for merchandise redemptions.
|
Rewards | Variable (approximately 1 cent per point) |
|
Travel Redemption
Points may be redeemed for travel including flights, hotels, and car rentals through the M&T Rewards portal with no blackout dates on over 300 airlines.
|
Rewards | 1 cent per point |
|
Unlimited 1.5% Cash Back Earning
Earn 1.5 points per $1 spent on every eligible purchase with no earning limits, no rotating bonus categories, and no activation requirements.
|
Rewards | 1.5 points per $1 spent |
|
Welcome Bonus — 10,000 Points
New cardholders earn 10,000 bonus points ($100 value) after making at least $500 in eligible purchases within the first 90 days from account opening. Account must be open, in good standing, and all minimum payments must be made on time at fulfillment.
|
Rewards |
10,000 points ($100 value)
Up to $100
|
|
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 |
|
Lost or Stolen Card Reporting
24/7 worldwide service to report a lost or stolen card and initiate account protection immediately; available domestically and internationally.
|
Security | Complimentary |
|
M&T Assurance℠ Fraud Protection
Comprehensive fraud prevention, detection, and resolution service including real-time fraud monitoring, 24/7 dedicated customer support, and 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 |
|
Emergency Card Replacement
24/7 worldwide service to arrange expedited replacement of a lost or stolen card, typically delivered within 24–72 hours even while traveling internationally.
|
Travel | Complimentary |
|
Emergency Cash Disbursement
If the card is lost or stolen, Visa can arrange for emergency cash to be made available for pick-up at a nearby location; available 24/7 worldwide.
|
Travel | Complimentary |
|
Lost Luggage Reimbursement
Reimburses the cardholder for checked or carry-on luggage and contents lost due to theft or misdirection by a common carrier when the ticket is purchased with the card; coverage is up to $3,000 per covered trip (up to $2,000 per bag for New York residents).
|
Travel |
Up to $3,000 per trip
Up to $3,000
|
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage when the cardholder charges the full cost of a common carrier ticket (airline, train, bus, ferry, or cruise) to the card; coverage applies to the cardholder and eligible family members traveling on the same ticket.
|
Travel | Complimentary |
|
Travel and Emergency Assistance Services
24/7 multilingual assistance hotline providing emergency transportation arrangement, medical and legal referral assistance, emergency translation services, lost luggage locator service, pre-trip destination information, and bail payment coordination; cardholders are responsible for the cost of services rendered.
|
Travel | Complimentary |
|
Visa Signature Concierge Service
24/7 complimentary concierge service available by phone to assist with travel planning, hotel bookings, entertainment and sports event tickets, restaurant reservations, gift sourcing, and other lifestyle requests; cardholders are responsible for the cost of any goods or services arranged.
|
Travel | Complimentary |
|
Visa Signature Luxury Hotel Collection
Access to exclusive benefits at participating Visa Signature Luxury Hotel Collection properties, which may include room upgrades, complimentary breakfast, food and beverage credits, and Wi-Fi; benefits vary by property and booking must be made through the Visa Signature Luxury Hotel Collection.
|
Travel | Complimentary |
