Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
- Brooklyn Lowery, CardRatings.comAnyone who prefers cash instead of points and wants a simple, no-fuss card that also includes perks should consider this card. The balance transfer promotion and low fees are two other good reasons to take a long look at the M&T Visa® Signature Credit Card.
- Kelly Dilworth, CreditCards.comThis inexpensive rewards card offers a fair amount of value cardholders who want affordable rewards without the fuss: In lieu of a costly and complicated rewards scheme, it offers a low APR and 1.5 percent cash back on every purchase.
- Anthony Nguyen, Bank Deal GuyYou get plenty of amazing features in every category such as 0% Intro APR for 12 months, 10,000 bonus points when you spend $500 in the first three months, and unlimited 1.5X points back on everything you purchase. If you’re looking for a singular credit card that takes care of all your needs, then...
Interest Rates | |
---|---|
Regular APR Interest Rate |
19.49% ‐ 23.49% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
Balance Transfer Interest Rate |
19.49% ‐ 23.49% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
Cash Advance Interest Rate |
27.49% (Variable) This APR will vary with the market based on the Prime Rate. |
Rates & Fees | |
Annual Fee | $0.00 |
Balance Transfer Fee |
4% Minimum of $10 |
Cash Advance Fee |
3% Minimum of $10 |
Foreign Transaction Fee |
$0.00 |
Over Limit Fee | $0.00 |
Late Payment Fee |
$35.00 Maximum |
Promotions | |
Sign up bonus |
10000 points after spending $500 On purchases within the first 3 months. |
Rewards | |
All Purchases | 1.5% cash back |
Restaurants | No |
Gas | No |
Groceries | No |
Hotels | No |
Travel | No |
Pharmacy | No |
Bills | No |
Features & Benefits | |
Additional Card Holders | Yes |
Travel Accident Insurance | Yes |
Car Rental Insurance | Yes |
Car Rental Discount | No |
Extended Warranty | No |
Purchase Protection | Yes |
Zero Liability | Yes |
No Foreign Transaction Fees | Yes |
Emergency Assistance | Yes |
Concierge Service | Yes |
Price Protection | No |
Fraud Protection | Yes |
Free Credit Scores | Yes |
Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
Virtual Cards | No |
Additional Benefits |
|
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age | 18 |
Minimum Personal Income | |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
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