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M&T Bank Credit Cards

We found 5 M&T Bank credit cards. Read on to get more insights.

M&T Bank
4.47
By Hanna Volkava
Updated December 01, 2025
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M&T Bank Visa with Rewards

M&T Visa with Rewards
Annual fee:
$0
Regular APR:
11.49% - 18.49% Variable
Our Rating:
4.66
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Point per each $1 spent on every purchase, with no spending limit.
  • Intro Offer:
    • 10,000x Bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    11.49% - 18.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Visa with Rewards Credit Card earns 10,000 bonus points (equal to $100 cash or statement credit) when you spend $500 in the first 90 days. The Card offers 1x point on all other purchases.

    The M&T Visa with Rewards Card doesn't charge an annual fee.

    The M&T Visa with Rewards Card has a 0% introductory APR period on purchases and balance transfers for 12 billing cycles from account opening (11.49% - 18.49% Variable thereafter).

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 10,000 bonus points (equal to $100 cash or statement credit) when you spend $500 in the first 90 days;
    • 1x point per each $1 spent on every purchase;
    • Digital Wallet.
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Card detail

M&T Bank Visa® Signature

M&T Bank Visa® Signature
Annual fee:
$0
Regular APR:
11.49% - 18.49% Variable
Our Rating:
4.54
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Earn 10,000 bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    11.49% - 18.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Visa® Signature Credit Card offers 1.5% Cash Back on all purchases. Earn 10,000 bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.

    The Visa® Signature Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period on purchases and balance transfers for 12 billing cycles from account opening. Receive variable 11.49% - 18.49% APR thereafter.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • Extra Fees
  • Benefits:
    • $100 cash bonus (when you spend $500 in the first 90 days);
    • 1.5% Cash Back on every purchase;
    • Visa Signature Concierge;
    • 24/7 travel emergency assistance;
    • Roadside Dispatch®.
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Card detail

M&T Bank Business Rewards

M&T Bank Business Rewards
Annual fee:
$0
Regular APR:
12.49% - 19.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Intro Offer:
    • 2% Cash Back on all purchases for your first year.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    12.49% - 19.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Rewards Credit Card earns 2% Cash Back on all purchases for your first year, 1% Cash Back thereafter.

    The Business Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers. After that, the variable APR is 12.49% - 19.49%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period
  • Cons:
    • Extra Fees
  • Benefits:
    • 2% Cash Back on all purchases for your first year;
    • 1% Cash Back on all purchases thereafter;
    • Fraud Protection;
    • Digital Wallet.
View all Business Rewards details
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Card detail

M&T Bank Visa®

M&T Bank Visa®
Annual fee:
$0
Regular APR:
10.49% - 17.49% Variable
Our Rating:
3.59
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    10.49% - 17.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Visa® Credit Card features no annual fee, no foreign transaction fees, and an introductory 0% APR on purchases and balance transfers for the first 12 months (10.49% - 17.49% Variable thereafter).

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Digital wallet;
    • Customize your own card design at no cost;
    • M&T Assurance®.
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Card detail

M&T Bank Business

M&T Bank Business
Annual fee:
$0
Regular APR:
10.99% - 17.99% Variable
Our Rating:
4.18
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    10.99% - 17.99% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers. After that, the variable APR is 10.99% - 17.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No rewards
  • Benefits:
    • Add Employee Cards at no additional cost;
    • Visa Zero Liability;
    • M&T Assurance®;
    • Digital Wallet.
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Card detail

How to Choose the Right M&T Bank Credit Card?

Sometimes, choosing the best credit card from a specific credit card company is quite challenging. Considering M&T Bank, there are three steps that will help you.

First and foremost, you are to figure out your current credit score. It can vary from "Poor” to “Excellent”, and the higher your score is, the better M&T Bank options of credit cards are available to you.

Then, you should understand why you want a M&T Bank credit card and determine the most crucial aspects your future credit card must have. If you search for a credit card to increase your credit score, then look for those with long grace period and no annual fee. If your goal is to not spend money on interest, M&T Bank credit cards with the lowest interest and long intro offer are your best choice. If you are looking for a credit card with cash rewards, pay attention to the rewards program the M&T Bank offers.

Finally, you should compare the M&T Bank credit cards you find the best for you, but now weighing in all the aspects. Overall, the best credit card has the following characteristics: low interest rate, long grace period, low fees, high credit limit, and generous rewards and sign-up bonuses. You can easily compare M&T Bank credit cards in the table below.

Side-by-Side Comparison of M&T Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Visa with Rewards 11.49% - 18.49% Variable $0
  • 1x Point per each $1 spent on every purchase, with no spending limit.
  • 10,000x Bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.
    • Visa® Signature 11.49% - 18.49% Variable $0
  • 1.5% Cash Back on every purchase.
  • $100 Earn 10,000 bonus points, equal to $100 cash or statement credit when you spend $500 in the first 90 days.
    • Business Rewards 12.49% - 19.49% Variable $0
  • 1% Cash Back on all purchases.
  • 2% Cash Back on all purchases for your first year.
    • Visa® 10.49% - 17.49% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
    • Business 10.99% - 17.99% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.

    • Conclusion

    M&T Bank has a range of credit cards with numerous features, yet it’s better to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

    Credit cards in other banks