Last Updated: 07/28/2025
M&T Bank Visa Credit Card with Rewards
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in Credit Cards from M&T Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.24% - 21.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.24% - 21.24%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
M&T Bank Visa Credit Card with Rewards Review
This is a rewards 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.
Key Takeaways
- 0% Intro 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.
- Earn 10,000 bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.
- APRs: M&T Bank Visa Credit Card with Rewards has a variable regular purchase APR that ranges from 14.24% up to 21.24%.
- 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of M&T Bank Visa Credit Card with Rewards
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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.
| Description |
Does M&T Bank Visa Credit Card with Rewards have a signup bonus?
Yes. Earn 10,000 bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.
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?
M&T Bank Visa Credit Card with Rewards 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.M&T Bank Visa Credit Card with Rewards has a variable purchase APR that ranges from 14.24% up to 21.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 21.24%. It also has a variable cash advance APR of 25.24% .
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%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.24% - 21.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does M&T Bank Visa Credit Card with Rewards have an intro APR offer on new purchases?
| 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $35 . 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 up to 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 customer service number for M&T Bank Visa Credit Card with Rewards 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 .
What is the login page for M&T Bank Visa Credit Card with Rewards?
You can access the login page of M&T Bank Visa Credit Card with Rewards here.
How do people rate the customer service and user experience of M&T Bank Visa Credit Card with Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 to the following credit bureaus:
- 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 build your credit.
Does M&T Bank perform a hard credit pull?
Yes, M&T Bank Visa Credit Card with Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for M&T Bank Visa Credit Card with Rewards
- Visit the website of M&T Bank Visa Credit Card with Rewards.
- 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.
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