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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 May 01, 2026
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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®.
View all Visa® details
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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?

Choosing the right credit card from a specific credit card issuer can be challenging. Considering M&T Bank, there are three steps that will help you.

First of all, you need to check your current credit score. It will be from "Poor” to “Excellent”, and the higher your credit score is, the better M&T Bank credit card offers and terms are available to you.

Then, you should understand why you need a M&T Bank credit card and determine the most crucial features your future credit card should have. If you search for a credit card to increase your credit, then look for those with large grace period and no annual fee. If your goal is to avoid spending money on interest, M&T Bank credit cards with the smallest interest and long intro offer are your option. If you are looking for a credit card with cash, points, or miles rewards, check the rewards program the M&T Bank offers.

Finally, try tocompare the M&T Bank offers you find the best for you, but now weighing in all the features. Overall, the perfect credit card meet the following characteristics: near-zero interest rate, low fees, high credit limit, the finance charge calculations include one billing cycle only, and large 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 provides a wide range of credit cards with numerous options, yet it’s important to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

    Credit cards in other banks