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  M&T Bank Visa Credit Card with Rewards

M&T Bank Visa Credit Card with Rewards

in Personal Credit Cards from M&T Bank

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M&T Bank Visa Credit Card with Rewards

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in Personal Credit Cards from M&T Bank

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Highlights
Purchase APR  (Variable APR) 11.24% - 18.24%
Balance Transfer APR  (Variable APR) 11.24% - 18.24%
Credit Score Range 650 - 850
Annual Fee $0

M&T Bank Visa Credit Card with Rewards Review

This is a rewards credit card issued by M&T Bank. If you're wondering whether M&T Bank Visa Credit Card with Rewards is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Competitive APRs. M&T Bank Visa Credit Card with Rewards has a variable purchase APR that ranges from 11.24% up to 18.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. M&T Bank Visa Credit Card with Rewards charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of M&T Bank Visa Credit Card with Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • 0% APR on new purchases .
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere M&T Bank Visa Credit Card with Rewards is accepted.
  • M&T Bank Visa Credit Card with Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card benefits.
M&T Bank Visa Credit Card with Rewards FAQ

Does M&T Bank Visa Credit Card with Rewards have a cash back or rewards program?

M&T Bank Visa Credit Card with Rewards is a rewards card.

M&T Bank Visa Credit Card with Rewards Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $100
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does M&T Bank Visa Credit Card with Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does M&T Bank Visa Credit Card with Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the M&T Bank Visa Credit Card with Rewards benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for M&T Bank Visa Credit Card with Rewards?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.24% up to 18.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 18.24%. The card has a variable cash advance APR of up to 22.24%.

Note that late payments are subject to an APR of 24.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does M&T Bank Visa Credit Card with Rewards have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

M&T Bank Visa Credit Card with Rewards Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer APR 11.24% - 18.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does M&T Bank Visa Credit Card with Rewards have an intro APR offer on new purchases?

M&T Bank Visa Credit Card with Rewards Purchase Intro Offer
Description
Introductory Rate 0%

This card does offer an intro APR rate of 0% on qualified purchases

What are the fees for M&T Bank Visa Credit Card with Rewards?

The following fees apply:

  • An overlimit fee of $15.
M&T Bank Visa Credit Card with Rewards Fees
Fees Amount
Annual Fee $0
Overlimit Fee $15
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee $25 - $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does M&T Bank Visa Credit Card with Rewards have a foreign transaction fee?

M&T Bank Visa Credit Card with Rewards charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for M&T Bank Visa Credit Card with Rewards?

The M&T Bank Visa Credit Card with Rewards customer service number is (800) 724-2440.

What is the support contact email for M&T Bank Visa Credit Card with Rewards?

The support contact email for M&T Bank Visa Credit Card with Rewards is ir@mtb.com .

Does M&T Bank Visa Credit Card with Rewards report your account activity to credit bureaus?

Yes, M&T Bank Visa Credit Card with Rewards reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for M&T Bank Visa Credit Card with Rewards

  • Visit the M&T Bank Visa Credit Card with Rewards website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday Closed

Other Services by M&T Bank

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View all personal credit cards offered by M&T Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Over-Limit Fee $15
Returned Payment Fee Up to $25
Late Fee Amount $25 - $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus Up to $100
Cash Advance APR (Variable APR) Up to 22.24%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 11.24% - 18.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 11.24% - 18.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
Card Network Visa

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