THE CARDTUNED DATABASE
M&T Visa Signature Credit Card
Issuer: M&T Bank · Network: Visa
Unlimited 1.5% cash-back-equivalent rewards on eligible purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% purchases and qualifying balance transfers for 12 billing cycles under current offer
- Regular APR
- 17.74%–25.74% variable under current rate table
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
10,000 points ($100 value) after $500 in purchases within 90 days under current offer
- Spending requirement
- $500 in purchases
- Time window
- within 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 1.5% | Unlimited — cash-back-equivalent rewards on eligible purchases |
Additional benefits
• Introductory APR terms are available, subject to the application and card agreement.
Restrictions to know
Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.
Who can apply
U.S. applicant of legal age; subject to M&T Bank credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies