{"data":{"path":"manufacturers-and-traders-trust-company/m-and-t-visa-signature-credit-card","artwork":null,"name":"M&T Visa® Signature Credit Card","officialName":"M&T Visa® Signature Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Manufacturers and Traders Trust Company","handle":"manufacturers-and-traders-trust-company"},"institution":{"name":"Manufacturers and Traders Trust Company","handle":"manufacturers-and-traders-trust-company"},"actualIssuerName":null,"standardOffer":{"id":"842","offerKind":"standard","channel":null,"nameAsFiled":"M&T Visa® Signature Credit Card","handle":null,"terms":{"productId":"2025","path":"manufacturers-and-traders-trust-company/m-and-t-visa-signature-credit-card","name":"M&T Visa® Signature Credit Card","officialName":"M&T Visa® Signature Credit Card","aliases":[],"institutionId":"68774","institutionName":"Manufacturers and Traders Trust Company","institutionHandle":"manufacturers-and-traders-trust-company","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1774,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1774,"purchaseRegularMaxBps":2474,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":1774,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1774,"balanceTransferRegularMaxBps":2474,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":400,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1774,"maxPurchaseAprBps":2474,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":9,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1774,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2474,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":9,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1774,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2474,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"dcf99fdfe8031eec9f07f3cde08564a8","pageNumber":null,"quote":"No annual fee{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee{"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":400,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {"}],"cardTerms":null,"signupBonuses":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"857775d8d0d6168df897a76d97120845","pageNumber":null,"quote":"10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"signup_bonus"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"signup_bonus:qualification:0"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":10000,"minimumPurchaseCents":50000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":90,"qualifyingDaysNullReason":null,"statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{","qualificationConditions":["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 "],"qualificationConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"signup_bonus:qualification:0"}]}],"cardRewards":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"e236de5a4a32dcda22cafcc556bc3e12","pageNumber":null,"quote":"Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"1166407deb24e0725ea747c6b9771ae2","pageNumber":null,"quote":"Redeem points for cash back, statement credit, gift cards or travel {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:1"}],"groupKey":"all-purchases","tierKey":"standard","groupLabel":"All qualifying purchases","pointsPerDollar":1.5,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":["Cash back","Statement credit","Gift cards","Travel"],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_applicable","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":null,"conditions":"Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits{","qualificationConditions":["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 ","Redeem points for cash back, statement credit, gift cards or travel {"],"qualificationConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"1166407deb24e0725ea747c6b9771ae2","pageNumber":null,"quote":"Redeem points for cash back, statement credit, gift cards or travel {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:1"}]}],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"c92f3bf602e19eac5177c0d3118a6cf7","pageNumber":null,"quote":"Apply Now","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKind":"application","url":"https://nao.mtb.com/open/retail/credit-card","label":"Apply Now"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"6d61c857c9e1567711de3369f72a296c","pageNumber":null,"quote":"pricing information","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKey":"pricing","linkKind":"disclosure","url":"https://www.mtb.com/content/dam/mtb-web/pdfs/mtb-rcc-scc-schumer-agreement.pdf","label":"pricing information"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"baebc9eacf5c10d717ea59b778bf83da","pageNumber":null,"quote":"información de precios","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKey":"pricing-spanish","linkKind":"disclosure","url":"https://www.mtb.com/content/dam/mtb-web/pdfs/mtb-rcc-scc-schumer-agreement-spanish.pdf","label":"información de precios"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"118bce24095f234e36929bf194510f4c","pageNumber":null,"quote":"Learn More","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKey":"product-page","linkKind":"disclosure","url":"https://www.mtb.com/personal/credit-cards/signature-card","label":"Learn More"}],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"foreign_transactions_fee_free","reason":"unparsed_value","detail":"The source states no foreign transaction fees. This partial interpretation preserves the quote without replacing complete card terms.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"f52b0e03d2a3bf0432791330081675bd","pageNumber":null,"quote":"Travel smarter with No Foreign Transaction Fees {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:foreign_transactions_fee_free"}]},{"observationKind":"card_offer","fieldKey":"network","reason":"unparsed_value","detail":"The issuer names this card’s network. Its typed source evidence is retained; this partial interpretation does not replace the earlier complete card-term family.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"357bbf2fc9defd67c885ecb9f23b944f","pageNumber":null,"quote":"M&T Visa®\nSignature Credit Card","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:network"}]},{"observationKind":"card_link","fieldKey":"rewards_program:http","reason":"unparsed_value","detail":"The original rewards-program action is http://rewards.mtb.com/. Preserve the source destination; a public HTTPS replacement has not been evidenced.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"19abcb8aab95b6f83b07bf852e51c48f","pageNumber":null,"quote":"rewards.mtb.com.","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_link:rewards_program:http"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"842","offerKind":"standard","channel":null,"nameAsFiled":"M&T Visa® Signature Credit Card","handle":null,"terms":{"productId":"2025","path":"manufacturers-and-traders-trust-company/m-and-t-visa-signature-credit-card","name":"M&T Visa® Signature Credit Card","officialName":"M&T Visa® Signature Credit Card","aliases":[],"institutionId":"68774","institutionName":"Manufacturers and Traders Trust Company","institutionHandle":"manufacturers-and-traders-trust-company","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1774,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1774,"purchaseRegularMaxBps":2474,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":1774,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1774,"balanceTransferRegularMaxBps":2474,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":400,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1774,"maxPurchaseAprBps":2474,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":9,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1774,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2474,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":9,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1774,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2474,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","eligibilityConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"ae7fcc38f2f12ae435d8ec15364d5e2e","pageNumber":null,"quote":"Variable 17.74% - 24.74% APR thereafter{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"dcf99fdfe8031eec9f07f3cde08564a8","pageNumber":null,"quote":"No annual fee{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee{"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8b84113fb4cb8cf8d27d970fbc7287fe","pageNumber":null,"quote":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":400,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":"0% introductory APR on balance transfers and purchases for 9 billing cycles from account opening; a 4% balance transfer fee will apply. {"}],"cardTerms":null,"signupBonuses":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"857775d8d0d6168df897a76d97120845","pageNumber":null,"quote":"10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"signup_bonus"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"signup_bonus:qualification:0"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":10000,"minimumPurchaseCents":50000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":90,"qualifyingDaysNullReason":null,"statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{","qualificationConditions":["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 "],"qualificationConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"signup_bonus:qualification:0"}]}],"cardRewards":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"e236de5a4a32dcda22cafcc556bc3e12","pageNumber":null,"quote":"Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits{","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"1166407deb24e0725ea747c6b9771ae2","pageNumber":null,"quote":"Redeem points for cash back, statement credit, gift cards or travel {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:1"}],"groupKey":"all-purchases","tierKey":"standard","groupLabel":"All qualifying purchases","pointsPerDollar":1.5,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":["Cash back","Statement credit","Gift cards","Travel"],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_applicable","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":null,"conditions":"Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits{","qualificationConditions":["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 ","Redeem points for cash back, statement credit, gift cards or travel {"],"qualificationConditionSources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"8ab2781e7da3abce00a3f2067e8611f5","pageNumber":null,"quote":"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 a…","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"1166407deb24e0725ea747c6b9771ae2","pageNumber":null,"quote":"Redeem points for cash back, statement credit, gift cards or travel {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_reward:qualification:1"}]}],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"c92f3bf602e19eac5177c0d3118a6cf7","pageNumber":null,"quote":"Apply Now","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKind":"application","url":"https://nao.mtb.com/open/retail/credit-card","label":"Apply Now"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"6d61c857c9e1567711de3369f72a296c","pageNumber":null,"quote":"pricing information","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKey":"pricing","linkKind":"disclosure","url":"https://www.mtb.com/content/dam/mtb-web/pdfs/mtb-rcc-scc-schumer-agreement.pdf","label":"pricing information"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"baebc9eacf5c10d717ea59b778bf83da","pageNumber":null,"quote":"información de precios","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKey":"pricing-spanish","linkKind":"disclosure","url":"https://www.mtb.com/content/dam/mtb-web/pdfs/mtb-rcc-scc-schumer-agreement-spanish.pdf","label":"información de precios"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T14:36:52.952Z","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"118bce24095f234e36929bf194510f4c","pageNumber":null,"quote":"Learn More","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"card_link"}],"linkKey":"product-page","linkKind":"disclosure","url":"https://www.mtb.com/personal/credit-cards/signature-card","label":"Learn More"}],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"foreign_transactions_fee_free","reason":"unparsed_value","detail":"The source states no foreign transaction fees. This partial interpretation preserves the quote without replacing complete card terms.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"f52b0e03d2a3bf0432791330081675bd","pageNumber":null,"quote":"Travel smarter with No Foreign Transaction Fees {","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:foreign_transactions_fee_free"}]},{"observationKind":"card_offer","fieldKey":"network","reason":"unparsed_value","detail":"The issuer names this card’s network. Its typed source evidence is retained; this partial interpretation does not replace the earlier complete card-term family.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"357bbf2fc9defd67c885ecb9f23b944f","pageNumber":null,"quote":"M&T Visa®\nSignature Credit Card","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_offer:network"}]},{"observationKind":"card_link","fieldKey":"rewards_program:http","reason":"unparsed_value","detail":"The original rewards-program action is http://rewards.mtb.com/. Preserve the source destination; a public HTTPS replacement has not been evidenced.","sources":[{"snapshotId":"33845","sourceKind":"official_issuer","publisherName":"Manufacturers and Traders Trust Company","capturedAt":"2026-10-03T14:36:52.952Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.mtb.com/personal/credit-cards","passageId":"19abcb8aab95b6f83b07bf852e51c48f","pageNumber":null,"quote":"rewards.mtb.com.","recordId":"official-issuer:page:url:2f7a5b6af11b35cef903d625fd965bf725b27a9c6a2a8fadcce03c78fd841263","recordFields":[],"fieldKey":"withheld:card_link:rewards_program:http"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}