Discover the power of rewards and financial flexibility with the M&T Visa® Signature credit card. Designed to enhance your purchasing experience, this card offers a multitude of benefits, including unlimited cash back and a generous introductory APR offer.
The M&T Visa® Signature credit card stands out for its rewarding features and ease of use. Whether you’re looking to earn cash back, redeem points for travel, or simply manage your finances efficiently, this card caters to your diverse financial needs.
Key information about the M&T Visa® Signature Credit card

The M&T Visa® Signature credit card is an ideal choice for those seeking financial flexibility and generous rewards. With an unlimited 1.5% cash back on all purchases and an initial offer of 10,000 bonus points after spending $500 in the first 90 days, this card combines low-cost advantages such as no annual fee and zero foreign transaction fees, along with a 0% introductory APR on purchases and balance transfers for 12 billing cycles. This provides excellent value for its users.
How does the annual fee work?
Enjoy the perks of the M&T Visa® Signature credit card without worrying about annual fees, allowing you to maximize your savings and rewards effortlessly. This feature ensures that you can focus on achieving your financial goals without the burden of additional costs.
How is the credit limit determined?
For conventional and secured credit cards, M&T Bank assesses the creditworthiness of applicants to determine the credit limit. Meanwhile, prepaid cards allow users to deposit funds upfront, giving them full control over their spending limits.
Credit card benefits
- Unlimited Cash Back: Earn 1.5 points per dollar on all purchases, with no earning limits.
- 10,000 point bonus offer: Receive 10,000 bonus points (equivalent to $100) after spending $500 in the first 90 days.
- No annual fee: Use the card without worrying about recurring annual fees.
- 0% introductory APR: Enjoy a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles (balance transfer fee of 4%).
- No foreign transaction fees: Avoid additional charges on purchases made outside of the United States.
- M&T rewards program: Easily accumulate points and choose from various redemption options, including statement credits, cash back, and travel rewards.
M&T rewards program
The M&T Rewards program sets this card apart, allowing seamless point accumulation and flexible redemption options. Whether you prefer cash back, statement credits, or travel rewards, M&T Rewards ensures your spending is always rewarded.
Disadvantages
- Balance transfer fee: There is a 4% fee for balance transfers, which could offset potential savings on transferred balances.
- Variable APR after intro period: After the introductory period, APRs become variable and may vary based on creditworthiness and market conditions.
- Credit approval requirements: The card is typically geared towards individuals with good to excellent credit scores, which may limit access for those with lower credit ratings.
Potential fees
While the M&T Visa® Signature credit card offers numerous benefits, it’s important to note that potential fees associated with balance transfers could affect its overall cost-effectiveness for some users. Being mindful of these fees ensures a clear understanding of the card’s financial implications, allowing users to make informed decisions based on their individual financial circumstances.
Who can apply for this card?
To apply for the M&T Visa® Signature credit card, the prerequisites typically include:
- Minimum age: Be of legal age in your state of residence.
- Minimum income: Have a regular income source that meets M&T Bank’s criteria.
- Good credit history: Typically, the card is more accessible to individuals with a good to excellent credit history.
- Documentation: You may need to provide proof of income and residence during the application process.
- Residential eligibility: Verify if the card is available in your residential area, as not all products are offered in every state.
- Other criteria: Applicants may undergo a credit check and must meet other specific criteria set by M&T Bank for card approval.
How to apply for the M&T Visa® Signature Credit card
Via WebSite
To apply for the M&T Visa® Signature credit card online, begin by visiting the official M&T Bank website and navigating to the credit cards section. There, you’ll find detailed information about the M&T Visa® Signature credit card, including its features, benefits, fees, and terms. Before starting your application, ensure you meet the eligibility requirements, which typically include being of legal age, having a regular source of income, and maintaining a good credit history.
Next, click on the “Apply Online” button to initiate the application process. You’ll be directed to a secure online form where you’ll need to provide personal information such as your name, address, Social Security number, employment details, and income information. Be prepared to upload or provide supporting documents, such as proof of income or identification, as part of the application process.
Carefully review all the information you’ve entered to ensure accuracy before submitting your application. Once submitted, you’ll receive a confirmation of receipt and instructions on how to check the status of your application online.
The bank will evaluate your application based on its internal criteria, including creditworthiness and other factors. If approved, you can expect to receive your M&T Visa® Signature credit card by mail within a specified timeframe, along with information on how to activate and start using your new card.
In-Branch
To apply for the M&T Visa® Signature credit card at an M&T Bank branch, start by locating the nearest branch using the bank’s website or mobile app. Upon arrival, you’ll be greeted by a customer service representative or a banking consultant who will assist you throughout the application process.
Once at the branch, inform the staff that you’re interested in applying for the M&T Visa® Signature credit card. They will provide detailed guidance on the application requirements and necessary documents, such as identification, proof of income, and other relevant paperwork.
The branch representative will assist you in filling out the application form, ensuring all information is accurate and complete. They will also explain the card’s features, benefits, fees, and terms as per your inquiry. After submitting your application at the branch, you will receive updates on its status and can expect timely communication regarding approval or any additional steps required.