| APR for purchasesintroductory rate first |
| Introductory, 9 billing cycles | 0%Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| 17.74%–24.74% variableManufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| APR for balance transfersintroductory rate first |
| Introductory, 9 billing cycles | 0%Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| After | 17.74%–24.74% variableManufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No annual fee{Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Transaction fees |
| Cash advance | — | |
| Balance transfer | 4% of the amount, 0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular | 0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Signup bonuspoints award | 10,000 points. Spend $500 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. 10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Signup source conditions | This 10,000 Point Offer is a standalone offer and cannot be combined with any other M&T credit card offers unless otherwise specified. The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 point for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| All qualifying purchasesNot disclosed | 1.5 points per $1. See source conditions for eligible purchases.Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards conditionsAll qualifying purchases | Point posting timing is not disclosed. Point expiration is not disclosed. Redemption options: Cash back, Statement credit, Gift cards, Travel. Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits{Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards source conditionsAll qualifying purchases | This 10,000 Point Offer is a standalone offer and cannot be combined with any other M&T credit card offers unless otherwise specified. The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Signature Credit Cards earn 1.5 point for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards source conditionsAll qualifying purchases | Redeem points for cash back, statement credit, gift cards or travel {Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
