USES

Visa® Signature from M&T Bank Review

Visa® Signature from M&T Bank — all information about the credit card.

Updated December 04, 2023
Advertiser Disclosure Our Methodology
M&T Bank Visa® Signature
Apply now
Our Rating:
4.54 out of 5
scorer
Recommended 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.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Regular APR:
    11.49% - 18.49% Variable
  • Balance Transfer APR:
    11.49% - 18.49% Variable
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

M&T Bank Visa® Signature Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5%
All purchases
$
Have you already recieved the M&T Bank intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 1.5% On every purchase.
  • Travel
    • 24/7 travel emergency assistance:
    • Feel protected while traveling with 24/7 travel emergency assistance.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 billing cycles from account opening
  • Purchase APR
    • 11.49% - 18.49% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfers APR
    • 11.49% - 18.49% Variable
  • APR for Cash Advances
    • 22.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire account balance by the due date each month. You will be charged interest on balance transfers, cash advances and overdraft advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 0% Introductory Fee for 60 days from account opening; after that, 4% of each balance transfer (minimum $10)
  • Fees for Cash Advances
    • 3% of each transaction (minimum $10)
  • Return Payment
    • Up to $25
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
  • No Foreign Transaction Fee
Cons:
  • Extra Fees

Features

Classic
Visa
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • No foreign transaction fees
  • Rewards
  • Purchase Protection
  • 24/7 Travel Assistant
  • Good Credit
  • Excellent Credit

About the issuer

M&T Bank
M&T Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

International students
Quicksilver Student Cash Rewards Capital One
Capital One Quicksilver Student Cash Rewards Credit Card
3.43 out of 5
Recommended credit score
score
No Credit History
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on all purchases.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
SavorOne Rewards Capital One
Capital One SavorOne Cash Rewards Credit Card
4.27 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

M&T Bank Visa® Signature is an option for those, who need Classic features. With an APR of 11.49% - 18.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With M&T Bank Visa® Signature you will get such features as 0% Intro APR, Low interest, No Annual Fee, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.6 out of 5
Recommended credit score
scorer
Fair to Good (580-739)
  • $39
    Annual Fee
  • 29.99%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partner’s site