The M&T Visa® Signature credit card offers a blend of convenience, rewards, and financial flexibility, making it an attractive option for individuals who value seamless benefits. Whether you’re looking to earn cash back, travel rewards, or simply enjoy a credit card with no annual fee, this card has something to offer.

With its unlimited 1.5% cash back on every purchase, no foreign transaction fees, and an enticing 0% intro APR for the first 12 billing cycles, it’s a card that speaks to both the frequent traveler and the everyday spender.

What sets the M&T Visa® Signature apart is its simplicity. There’s no need to worry about rotating bonus categories or complicated points systems—this card is designed to work for you in every purchase, every day. Add to that a 10,000-point bonus when you spend $500 within the first 90 days, and it becomes clear why this card is a solid contender for anyone seeking reliable rewards.

Key information about the M&T Visa® Signature credit card

The M&T Visa® Signature credit card stands out for its straightforward benefits, offering unlimited cash back and flexible redemption options. Cardholders can earn 1.5% cash back on every dollar spent, with no cap on how much you can earn.

In addition to the standard cash-back rate, the card offers a welcome bonus of 10,000 points—equivalent to $100—when you meet the minimum spending requirement of $500 within the first 90 days of account opening.

For new cardholders, there’s an appealing 0% intro APR on purchases and balance transfers for the first 12 billing cycles. After the introductory period, the variable APR will range from 19.49% to 23.49%, depending on your creditworthiness. It’s also worth noting that while balance transfers come with a 4% fee, this can still be a valuable tool for consolidating higher-interest debt.

How does the annual fee work?

One of the biggest advantages of the M&T Visa® Signature credit card is that it comes with no annual fee. This means you can enjoy all the benefits and rewards the card offers without paying a yearly charge just for keeping the card.

For those who value simplicity and don’t want to worry about offsetting a fee with their rewards, this is an important feature. No annual fee means the card is accessible for long-term use without adding any extra financial burden.

How is the credit limit determined?

The credit limit for the M&T Visa® Signature credit card is determined by the applicant’s creditworthiness, as with most conventional credit cards. Factors such as your credit score, income, and overall credit history are taken into account during the application process. Once these factors are assessed, M&T Bank will assign a credit limit that reflects your ability to repay the borrowed amount.

Credit card benefits 

• Unlimited 1.5% cash back: Earn 1.5% cash back on every purchase, with no limits or expiration.
• No annual fee: Enjoy the card without any yearly charges, maximizing your savings.
• 0% intro APR: Benefit from 0% introductory APR on purchases and balance transfers for 12 billing cycles.
• 10,000 bonus points: Receive 10,000 bonus points (equivalent to $100) after spending $500 in the first 90 days.
• No foreign transaction fees: Make purchases abroad without incurring additional fees.
• Visa Signature concierge service: Access 24/7 concierge services for travel, entertainment, and more.

Unlimited cash back

The most prominent feature of the M&T Visa® Signature credit card is its unlimited 1.5% cash back on every purchase. Unlike other cards that offer tiered reward categories or temporary promotions, this card keeps things simple—every purchase earns the same reward rate, whether you’re buying groceries, filling up your car, or booking travel. There are no limits to how much you can earn, and the rewards never expire as long as your account is open and in good standing.

Disadvantages

• No enhanced rewards categories: Lacks higher cash back rates for specific categories like dining or travel.
• Balance transfer fee: A 4% fee applies to balance transfers, which can reduce savings for those consolidating debt.
• Relatively high regular APR: After the introductory period, the APR ranges from 19.49% to 23.49%, which could be costly for those carrying a balance.

No premium rewards for specific categories

One key downside to the M&T Visa® Signature credit card is its lack of enhanced rewards for specific spending categories. While the 1.5% cash back rate is solid for all-around use, some competitors offer higher rewards in areas like travel, dining, or groceries. This means that if your spending habits are more concentrated in particular categories, other cards might offer better value.

Who can apply for this card?

The M&T Visa® Signature credit card is available to individuals who meet the following criteria:

• Applicants must be at least 18 years old.
• A valid Social Security Number or Taxpayer Identification Number is required.
• A minimum income level may be necessary, though this information isn’t always explicitly stated.
• Applicants should have a good credit history to be approved for the best APR rates and higher credit limits.
• The card is not typically available to individuals with negative credit, as it requires a good to excellent credit score.

How to apply for the M&T Visa® Signature credit card

Applying online

To apply for the M&T Visa® Signature credit card online, the process is straightforward and convenient. Begin by visiting the official M&T Bank website and navigating to the credit card section. Once there, select the M&T Visa® Signature credit card and click the “Apply Online” button. This will direct you to an online application form where you’ll need to provide your personal information, including your name, address, and Social Security Number.

Additionally, you’ll be asked to enter your income details and financial obligations, which will help M&T determine your creditworthiness. After reviewing all the details, simply submit the application. In many cases, you’ll receive an approval decision within minutes. However, if more documentation is required, the process may take slightly longer.

In-person application process

If you prefer a more personal approach, you can apply for the M&T Visa® Signature credit card by visiting one of the bank’s branches. First, it’s advisable to set up an appointment at your nearest branch to ensure availability.

During the appointment, a representative will guide you through the application process, gathering your personal and financial information and answering any questions you may have. Applying in person allows you to have immediate feedback from a banking professional, making it a great option for those who prefer face-to-face interactions.