The M&T Visa® Signature Credit Card is a personal credit card from M&T Visa® Signature Credit Card. 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. Signup bonus: 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening. Rewards: Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits.