Earn unlimited cash back with every purchase.
Use the M&T Visa庐 Signature Credit Card to earn points and redeem however you want - cash back, gift cards or travel.
You鈥檝e earned it.
That鈥檚 why we've designed the M&T Signature庐 Credit Card to reward you for what you purchase.
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Unlimited 1.5% cash back
Earn 1.5% cash back per $1 spent on every purchase.{{d1202*}}
No earning limits
All purchases are eligible to earn the same rate of cash back year-round with no rotating bonus categories or earning limits.{{d1202*}}
10,000 Point Offer
Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{{d1202*}}
Low intro rate offer
0% intro APR on听purchases and balance transfers for 12 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable %鈥% APR听thereafter.{{d58*}}
No annual fee
Use your card year-round without paying an annual fee.{{d58*}} That's more savings for you.听
No foreign transaction fees
No foreign transaction fees when you travel outside of the U.S.{{d58*}}
Features available with all M&T Visa Credit Cards.
Take advantage of these great benefits right away
- Manage your account with M&T听Online听and听Mobile听萌妹社区ing
- Immediate credit line availability when paying your credit card online from an M&T account
- Customize your own card听design听at no cost{{d67*}}
- Add your card to your听digital wallet
- Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds{{d143*}}
- Service your card听online, by phone or at a听branch
Focus on security
- Help prevent, detect and resolve fraud with听M&T Assurance庐
- Globally accepted听chip听and听contactless听technology
- Receive security听alerts听to your mobile phone{{d70*}}
- Temporarily听lock听your card if you have misplaced it
It's the little things that can make a big difference.
Get rewarded for all of your purchases with the M&T Rewards program.
Watch your rewards grow while you shop, make bill payments and more.
Log in to Online or Mobile 萌妹社区ing to review your balance and redeem Rewards points.
Automatically redeem points for cash back or statement credit.听
Visit听M&T Rewards听for complete details on the program and to view the rewards catalog.
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Receive additional Visa庐 benefits just for being a Visa Signature cardholder.
Take advantage of the听Visa Signature Concierge听for assistance with travel听planning, entertainment tickets and more.
Add piece of mind to your trip with听travel accident insurance.
Feel protected while traveling with 24/7听travel emergency assistance.
Learn more with the听Visa Signature Benefits Guide.
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Have questions about M&T Rewards? Get answers by visiting our听M&T Rewards FAQs听page.
The application process is simple.
GET STARTED
Current M&T customers can apply online or visit their nearest branch. New customers can set up an appointment to take the next steps. Prefer to talk to someone? Both current and new customers can apply by phone at听1-877-779-3525.
Make a Credit Card Payment
Already have an M&T credit card? We offer a number of different ways to make your payment, so you can choose the most convenient method for you.听
Hardship Assistance Options
If you need help with your credit card payments, contact us to discuss your options.
Credit Card Data
| Version | RD | APRL | APRH | APRO | APRC |
|---|---|---|---|---|---|
| NOR | 2/1/2025 | 14.49% | 21.49% | 26.49% | 26.49% |
| REW | 2/1/2025 | 15.49% | 22.49% | 26.49% | 26.49% |
| SIG | 2/1/2025 | 18.49% | 22.49% | 26.49% | 26.49% |
| SCC | 2/1/2025 | NA | 21.49% | 26.49% | 26.49% |
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