The M&T Bank is a personal credit card from M&T Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable 15.74% - 22.74% after the intro period (disclosure dated 9/25/2026) after a 0% introductory APR on purchases and balance transfers for 9 billing cycles from account opening introductory rate for 12 months. Approval typically requires a credit score of Excellent Credit or higher. Signup bonus: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.. Rewards: 3 points per $1 on groceries (up to $15,000 in purchases per calendar year), 2 points per $1 at gas stations, 1 point per $1 on all other purchases. Cash back: 1% cash back on every purchase. This product reports activity to your personal credit report. Good for clients who want to earn simple, flat-rate rewards alongside a solid 0% APR runway. M&T Visa Signature Credit Card. BT Fee: 4% (minimum applies). Post-intro APR: Variable, typically 12.24%–19.24%, depending on credit profile.