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About Our Ratings
Credit Needed
Excellent

M&T Visa® Credit Card with Rewards Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1%
Annual Fee
None

This card compared to other cash back cards

Card Name
M&T Visa® Credit Card with Rewards
Cashback on Gas
1%
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1%
1-5%
Unlimited 1.5% cash back
Cashback on other
1%
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
N/A
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
11.74% - 18.74% (Variable) 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

M&T Visa® Credit Card with Rewards details

Balance Transfer Intro APR:
0.00% Introductory APR for the first 12 billing cycles
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
11.74% - 18.74% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 7.99% to 14.99%
 7.99% to 14.99%
 18.99%
APR:
  11.74% - 18.74% (Variable)
 11.74% - 18.74% (Variable)
 22.74% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 N/A
 0.00% Introductory APR for the first 12 billing cycles
 N/A
Intro Period:
 N/A
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 24.99% (Fixed); If your APRs are increased, the Penalty APR will apply until you make 6 consecutive minimum payments when due
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Maximum Default APR:
 (Fixed)
Penalty/Default Trigger:
 This APR may be applied to your account if your account is past due 60 days.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each transaction in U.S. dollars
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
4% of each balance transfer (minimum $10)  


Notes:

Rebate Description:
 Earn 1 point per $1 spent on all purchases; with unlimited points earning. Redeem points for cash, merchandise, airline tickets, gift certificates and more.
Special Notes:
 Returned Payment Fee: Up to $25
Credit Card More Information:

Card Issued By:
 M&T Bank
General Correspondence Address:

Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback MatchTM. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good