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M&T Visa Signature® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
11.24% ‐ 18.24% (Variable) (0% for the first 12 months)
Balance Transfer
11.24% ‐ 18.24% (Variable) (0% for the first 12 months)
1.5% cashback
Signup Bonus
10000 points (after spending $500)

Informr score
The M&T Visa Signature® Credit Card currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

M&T Visa Signature® Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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.

What the Critics Are Saying...

Anyone 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.

- Brooklyn Lowery,

The M&T Visa Signature credit card is a decent cash back card with simple, hassle-free rewards. It also works well for transferring a balance.

- Kelly Dilworth,
Bank Deal Guy

You 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...

- Hilary Tran, Bank Deal Guy


Interest Rates
Regular APR Interest Rate 11.24% ‐ 18.24% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.24% ‐ 18.24% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 22.24% (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


Sign up bonus 10000 points after spending $500

On purchases within the first 3 months.

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
  • Lost Luggage Reimbursement
  • Roadside Dispatch
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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