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✓ Annual fee checked
M&T Bank · Visa

M&T Visa® Credit Card with Rewards

No Annual FeeRewards

The M&T Visa® Credit Card with Rewards is a Visa card from M&T Bank with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked mtb.com
Top earn rate3xon GroceriesChecked mtb.com
Apply on M&T BankCompare this card
Opens M&T Bank’s site

Bank with branches in: New York (264), Maryland (145), Pennsylvania (126), Connecticut (106), New Jersey (65), Massachusetts (62), Delaware (33), Vermont (33) and 6 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the M&T Visa® Credit Card with Rewards, exactly as recorded.

Annual fee
$0Checked mtb.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Visa
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the M&T Visa® Credit Card with Rewards. That may mean there isn’t one, or simply that we have not recorded it — M&T Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

Published category multipliers for the M&T Visa® Credit Card with Rewards.

CategoryEarn rateCap
Groceries3x$15,000 of spend a year
Gas & Fuel2xNo cap on file
Other1xNo cap on file
Checked mtb.com
Next step

Ready to apply for the M&T Visa® Credit Card with Rewards?

You'll finish the application on M&T Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens M&T Bank’s site
Questions

Questions about the M&T Visa® Credit Card with Rewards

How much is the M&T Visa® Credit Card with Rewards annual fee?

The M&T Visa® Credit Card with Rewards has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the M&T Visa® Credit Card with Rewards earn?

The M&T Visa® Credit Card with Rewards earns 3x on groceries, plus published rates on 2 other categories. The full table is on this page.

What network is the M&T Visa® Credit Card with Rewards on?

The M&T Visa® Credit Card with Rewards runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the M&T Visa® Credit Card with Rewards available in United States?

Yes — the M&T Visa® Credit Card with Rewards is issued by M&T Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the M&T Visa® Credit Card with Rewards figures last checked?

We checked its annual fee in October 2026 and its earn rates in October 2026, each against a published document. We could not verify, so we do not print: foreign transaction fee, purchase APR and welcome offer. Check them with M&T Bank. Terms can change without notice, so confirm the current details with M&T Bank before you apply.