
M&T Bank Visa Signature Credit Card
in Personal Credit Cards from M&T Bank
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Purchase APR (Variable APR) | 11.24% - 18.24% |
Balance Transfer APR (Variable APR) | 11.24% - 18.24% |
Credit Score Range | 680 - 850 |
Annual Fee | $0 |
M&T Bank Visa Signature Credit Card Review
This is a cashback credit card issued by M&T Bank. If you're wondering whether M&T Bank Visa Signature Credit Card 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.
- 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 Signature Credit Card 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 cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- 4% Balance transfer fee. M&T Bank Visa Signature Credit Card 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
The Good | The Bad |
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Does M&T Bank Visa Signature Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.
What are the relevant APRs for M&T Bank Visa Signature Credit Card?
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%. It also has a variable cash advance APR starting at 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 Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
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 Signature Credit Card 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 Signature Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does M&T Bank Visa Signature Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for M&T Bank Visa Signature Credit Card?
The M&T Bank Visa Signature Credit Card customer service number is (800) 724-2440.
Does M&T Bank Visa Signature Credit Card report your account activity to credit bureaus?
Yes, M&T Bank Visa Signature Credit Card 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 Signature Credit Card
- Visit the M&T Bank Visa Signature Credit Card 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.
Contact
- Headquarters
-
One M & T Plaza
Buffalo, NY 14203 - (800) 724-2440
- Visit Site
Other Services by M&T Bank

Availability
- 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
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction 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 |
Returned Payment Fee | Up to $25 |
Late Fee Amount | Up to $35 |
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