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 17.74% - 24.74% 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. Signup bonus: 10,000 bonus points ($100 value) after $500 in purchases within the first 90 days of account opening. Rewards: 1.5 points per $1 spent on every purchase, no earning limits (page also calls it unlimited 1.5% cash back). This product reports activity to your personal credit report.