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M&T Visa® Credit Card with Rewards

Credit needed
Good
APR
11.24% or 18.24%
Annual Fee
$0

Card Summary

M&T Visa Credit Card With Rewards is a reward credit card. You can earn an unlimited 1 point for every dollar you spend on purchases.

If you make $500 of purchases within the first 90 day, you can get a 10,000 point sign up bonus. This is worth $100 cash back.

The card has a $0 annual cost and offers balance transfer and purchases at 0% APR for the first twelve months.

Benefits include zero liability fraud detection, prevention and resolution.

Card Summary - Cons

Rates and fees

Issuer Name
M&T Bank
Penalty APR
24.99%
Credit Needed
Good
Balance Transfer Fee
Minimum $10, 4% on each balance transfer
Annual Fee
$0
Cash Advance Fee
Minimum $10, 3% on each transaction
APR
11.24% or 18.24%
Foreign Transaction Fee
Each transaction is charged 3% in U.S. Dollars
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Here’s a smart way to pay off

M&T Bank

The Best Features

Sign up bonus: Spend $500 on purchases within the first 90 day of your account opening and you'll get a 10,000 point sign-up bonus.

Purchases and balance transfer purchases are exempted from the introductory rate of 0%.

For the first twelve months, the M&T Visa Credit Card With Rewards offers a 0% APR. The APR on balance transfers and purchases will change based upon your creditworthiness after the initial period ends.

Annual fee not required: The M&T Visa Credit Card With Rewards does not require an annual fee.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Transfer fee for balance.

Foreign transaction fees: For purchases or cash advances overseas, the M&T Visa Credit Card With Rewards will charge a 3% fee. Many cards charge no foreign transaction fees.

Highlights

Spend $1 to earn 1 point for every purchase. You will earn 10,000 bonus points for every $500 you spend in the first 90-days. This is good for $100 cash.

There is no annual charge.

You can personalize your card for free.

There are many options to pay, transfer money, and review your account details.

Worldwide acceptance of chip- and contactless technology.

Get transaction alerts straight to your phone.

M&T Visa Credit Card With Rewards Benefits: Fraud detection, prevention and resolution.

Benefits

Comparative Analysis with Other Cards

M&T Visa Credit Card With Rewards vs. Capital One Cash Rewards Credit Card

Annual Fee: M&T Visa Credit Card With Rewards charges $0 annually, while the Capital One Quicksilver Rewards Credit Card costs $0.

Reward: All purchases are eligible for one M&T Visa Credit Card With Rewards. Capital One Quicksilver Cash Reward Credit Card will give you 1.5% cashback on any purchase.

Sign up bonus: The M&T Visa Credit Card With Rewards offers 10,000 bonus points for purchases of $500 within the first 90 day. After you have spent $500 within three months of account opening, the Capital One Quicksilver Rewards Credit Card will give $200 cash back.

Benefits: M&T Visa Credit Card with Reward cardholders have access to fraud prevention, detection and resolution. Benefits include no foreign transaction fees, 24 hour travel assistance, and extended coverage.

M&T Visa Credit Card With Rewards vs. The Discover It chrome

Reward: All purchases are eligible for one M&T Visa Credit Card With Rewards. The Discover it chrome card will give you 2% cashback at restaurants and gas stations for the first 1,000 combined purchases in each quarter. Other purchases earn you 1% cashback without limit.

Welcome bonus: Earn 10,000 bonus points when you make $500 purchases within the first 90 day of your account opening. All cashback earned by Discover it Chrome card cardholders in the first year will be automatically matched.

Benefits: M&T Visa Credit Card With Rewards offers fraud prevention, detection, and resolution. Discover it chrome gives you access to your FICO credit scores monthly for free. You can also switch off your card if it is stolen or lost.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

M&T Bank