The M&T Visa Credit Card with Rewards is a personal credit card from M&T Visa Credit Card with Rewards. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Variable % - % APR thereafter after a 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening introductory rate for 12 months. Signup bonus: 10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.. Rewards: Unlimited 1% cash back: Earn 1 point per $1 spent on every purchase, no earning limits. Cash back: 1% on all purchases.