The M&T Visa Signature is a personal credit card from M&T Visa Signature. 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 introductory rate for 12 months. Approval typically requires a credit score of Good (670+) 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: Earn 1.5 points per $1 spent on every purchase, no earning limits. Cash back: 1.5 points per $1 spent on every purchase, no earning limits. This product reports activity to your personal credit report. Excellent for combining a strong 0% APR period with elevated rewards and travel protections—you get both value and security. First Tech FCU Choice Rewards World Mastercard. BT Fee: 4% (minimum applies). Post-intro APR: Variable, typically 12.24%–19.24%, depending on creditworthiness.