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M&T Visa Signature Credit Card Review
The M&T Visa® Signature Credit Card offers unlimited 1.5 points per $1 spent on every purchase. There is no annual fee charged with this rewards card, and you can earn 10,000 bonus points worth $100 cash if you spend $500 in purchases in the first 90 days of account opening. New cardholders of the M&T Visa® Signature Credit Card can get a 0% intro APR on balance transfers for 12 billing cycles from account opening and 0% intro APR on purchases for 12 billing cycles from account opening. After that, a 18.49% to 22.49% variable APR applies.
- Issuer NameM&T Bank
- Credit NeededGood/Excellent
- Annual Fee$0
- APR18.49% – 22.49% variable
- Penalty APR24.99%
- Purchases Intro APR0% intro APR on purchases for 12 billing cycles from account opening
- Balance Transfer Fee4% of each balance transfer (minimum $10)
- Cash Advance Fee3% of each transaction (minimum $10)
- Prefer the simplicity of a flat-rate rewards card.
- Want a 0% introductory rate on purchases and balance transfers.
- Don’t want to pay an annual or foreign transaction fee.
The M&T Visa® Signature Credit Card comes with Visa Signature benefits including free concierge service, travel protection and no foreign transaction fee, making it a good card to use when traveling. As a new cardholder, you can earn a $100 bonus for spending at least $500 in purchases in the first 90 days of account opening.
With a 0% intro APR on balance transfers for 12 billing cycles from account opening and 0% intro APR on purchases for 12 billing cycles from account opening, you can get interest savings from this card. Whether you plan to pay off a high-interest balance or make a large purchase, calculate how much you’ll need to pay each month to get your balance down to $0 before the introductory period expires.
Editor’s Take
The M&T Visa® Signature Credit Card is a straightforward flat-rate rewards card, so there are no categories to keep track of and no limits on earning. If you’re looking for more cardholder benefits or bonus rewards, there are higher-earning cards out there. But the base rate of 1.5% and the year of 0% APR make it a solid option.
Dawn PapandreaContributor
Earn 10,000 bonus points after spending $500 in purchases in the first 90 days of account opening – good for $100 cash.
As the M&T Visa® Signature Credit Card earns unlimited 1.5 points per $1 spent on every purchase, all you have to do is spend as you normally would to maximize your rewards. But make sure you can make $500 in purchases in the first 90 days of account opening to earn the 10,000-point sign-up bonus worth $100.
You might want to pair the M&T Visa® Signature Credit Card with another credit card that offers higher-earning bonus categories such as groceries, gas or dining and then use the M&T Visa® Signature Credit Card for everything else.
U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.
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The information for the Citi Double Cash® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
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