The M&T Visa Credit Card (Standard Version) is a personal credit card from M&T Visa Credit Card (Standard Version). 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. Approval typically requires a credit score of Fair (580+) or higher. 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. This product reports activity to your personal credit report. Ideal for focused debt consolidation or interest-free purchasing without the distractions of rewards features. M&T Visa Credit Card with Rewards. BT Fee: 4% of the transferred amount (minimum $10) Rewards: None. Post-intro APR: Variable, typically 11.24%–18.24% based on creditworthiness and market Prime Rate.