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 $0. The ongoing APR is 13.74% - 20.74% (V) after a 0% 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: 1 point per $1 spent (approximately 1% cashback equivalent), plus a 10,000-point bonus (~$100) after $500 spent within the first 90 days.. 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.