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M&T Visa® Signature Credit Card

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

Card Summary

M&T Visa Signature Credit Card gives 1.5% cashback on all purchases, with no spending caps. This rewards card comes with an annual fee of $0 and 10,000 bonus points.

You can make purchases of $500 within the first 90 day of opening your account. M&T Visa Signature Credit Card holder get relatively low interest rates. Based on creditworthiness, the APR can be between 11.24% to 18.24%.

Card Summary - Cons

Rates and fees

Issuer Name
M&T Bank
Penalty APR
24.99%
Credit Needed
Good/Excellent
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
None
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M&T Bank

The Best Features

M&T Bank Reward: The M&T Visa Signature Credit Card offers 1.5% Cash Back on all purchases, regardless of spending categories. You can get as much cash back as you like.

This card has a zero percent APR introductory rate: The first year of the card comes with 0% interest on balance transfers and purchases. Based on creditworthiness, the standard APR is 11.24% or 18.24%.

Foreign transaction fees not charged: M&T Visa Signature Credit Card does not charge foreign transaction fees. A lot of credit cards have a foreign transaction charge, usually around 3%.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Transfer fees for high balances.
There are no spending categories with additional rewards.
The M&T Visa Signature Credit Card doesn't offer any higher earnings rates on cashback rewards, unlike many rewards credit cards.

Highlights

Every purchase receives unlimited 1.5% cashback. You will earn 10,000 bonus points for every $500 you spend within 90 days. This is good for $100 cash.

No foreign transaction fee. There is no annual charge.

M&T Insurance - Fraud prevention, detection, and resolution. Worldwide acceptance of chip- and contactless technology.

Get transaction alerts straight to your phone.

M&T Visa Signature Credit Card Benefits:

Concierge service,
Travel protection,
Fraud protection.

Benefits

Comparative Analysis with Other Cards

M&T Visa Signature Credit Card vs. Chase Freedom Flex

Annual Fee: Chase Freedom Flex and M&T Visa Signature Credit Card have an annual fee $0, while Chase Freedom Flex has an annual fee $0.

Reward: All purchases are eligible for a 1.5% cashback reward with the M&T Visa Signature Credit Card. There are no bonus earning or spending limits. Chase Freedom Flex gives you 5% cashback on purchases up to $1500 combined in bonus categories every quarter that you activate. Chase Ultimate Rewards offers Chase travel at 5%, Chase dining and drugstores at 3%, and Chase all other purchases at 1%.

Sign up bonus: Cardholders who open an account with M&T Visa Signature Credit Card receive a 10,000 point sign-up bonus when they spend $500 within the first 90-days. After you have spent $500 in the first three months of account opening, Chase Freedom Flex will offer a $200 sign up bonus. Earn 5% Cash Back on Groceries (non-target(r), Walmart(r)) for purchases up to $12,000 in your first year.

Benefits: M&T Visa Signature Credit Card offers Visa Signature benefits, including travel protection, concierge service and zero foreign transaction fees. Chase Freedom Flex cardholders receive protection from fraud, zero liability protection, and purchase protection.

M&T Visa Signature Card vs. Citi Double Card - 18 Month BT Offer

Annual Fee: The M&T Visa Signature credit card has an annual fee of $0. There is no annual fee for the Citi Double Cash Card – 18-month BT Offer.

Rewards: Cardholders of the M&T Visa Signature Credit Card receive a 1.5% cashback reward. No spending limits or bonus categories are available. Citi Double Cash Card – 18 Month BT Offer offers 1% cashback on every purchase and an additional 1% when paying for it. You can earn as much or little as you like.

Sign up bonus: If you spend $500 within the first 90 day of opening your account, M&T Visa Signature Credit Card will give 10,000 points. Citi Double Cash Card – 18-month BT Offer does not provide a sign up bonus.

Benefits: M&T Visa Signature Credit Card offers Visa Signature benefits, including travel protection, concierge service and zero foreign transaction fees. Citi Entertainment is available to cardholders with the Citi Double Cash Card – 18-month BT offer.

They can get special access to tickets to events, such as presale tickets or VIP packages. Citi Identity Theft Solutions will provide assistance to cardholders if they are victims of identity theft.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

M&T Bank