The M&T Visa Credit Card with Rewards has an offer for 10,000 bonus points when you spend $500 within the first 90 days. According to M&T Bank, this bonus is worth $100 when you redeem for cash. Although it’s not the best welcome offer out there, it’s a decent one for a card with no annual fee. The Chase Freedom card also offers a welcome bonus with comparable spending requirements.
The M&T Visa with Rewards card is a basic, no frills credit card for those that want easy rewards. You’ll earn an unlimited rate of one point for every dollar spent on all purchases.
If you’re looking for more value, there are other credit cards that easily offer better rewards rates and bigger welcome bonuses.
*Check out M&T Bank bonuses for Checking & Savings accounts.
|Bonus Available||Get 10,000 bonus points after making $500 in purchases during the first 90 days from account opening.|
|Ongoing Rewards/Benefits||Earn an unlimited 1 point per $1 spent on every purchase.|
|Foreign Transaction Fees?||3%|
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
- No annual fee
- Welcome bonus
- Simple rewards
- Good-Excellent credit needed to qualify
- Low earning potential
- Limited availability
- Foreign transaction fees
M&T Visa Card with Rewards 10,000 Bonus Points Offer
Take advantage of the M&T Visa with Rewards card’s 10,000 bonus points offer, worth $100 when you redeem for cash. To qualify, charge at least $500 to your card within the first 90 days from opening your account.
Here are some ideas on meeting the spending requirement:
Earning M&T Visa with Rewards Points
The M&T Visa with Rewards card keeps things super simple. Earn a flat rate of one point for every dollar you spend on all card purchases. There is no cap to how many points you can earn.
Redeeming M&T Visa with Rewards Points
Like many other rewards cards, the value of your points depends on how you use them. When it comes to redeem your M&T Visa with Rewards points, you have a variety of options, including:
- Direct deposits into an M&T Bank account
- Statement credits
- Gift cards
- Airline travel
M&T Visa with Rewards points have consistent value – $0.01 each – when you use them towards cash back, gift cards or airfare. Merchandise redemptions vary greatly and may be worth more or less than $0.01 per point.
M&T Visa Card with Rewards Availability
You must apply for the M&T Visa Card with Rewards in person at an M&T Bank branch. So it’s limited to within the issuer’s network. That includes:
- New Jersey
- New York
- Washington, D.C.
- West Virginia
Otherwise, you’ll need to consider other credit card options.
The M&T Visa Card with Rewards offers a humble program that lets you earn a little bit back for your spending, along with a modest bonus as a welcome offer. But neither is quite enough to attract most consumers.
Looking for a better return? You won’t have a hard time finding other credit cards that can give you more value.
What’s The Competition?
Below are some of the top competitors to the M&T Visa Card with Rewards you should consider.
|OFFER LINK||OFFER||OUR REVIEW|
|Chase Business Complete Banking℠||$300 Cash||Review|
|Chase Total Checking®||$225 Cash||Review|
|Chase Secure Banking℠||$100 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience Checking℠||$150 Cash||Review|
|HSBC Premier Checking||$450 Cash||Review|
|Axos Business Checking||$100 Cash||Review|
|Aspiration Checking||$150/$200 Cash||Review|
|Ally Invest||Up To $3,000||Review|
|Betterment||Up To 1 Year Free||Review|
|BlockFi||Up To $250 BTC||Review|
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