M&T Visa Signature Credit Card Review

Who is the M&T Visa Signature Credit Card for?

The M&T Visa Signature Credit Card is the perfect option for people who want a hassle-free rewards card with unlimited cash back. It is also suitable for existing M&T Bank customers or who prefer cash instead of points. This card offers 1.5% cash back on any purchases without spending caps. At the same time, there is no foreign transaction fee and annual fee, which further saves cardholders more money. Cardholders can also enjoy exclusive signature benefits such as complimentary concierge service and travel protection. As long as you meet the good/excellent credit score (670 - 850), the M&T Visa Signature Credit Card can be an appealing option to you.

Rewards

The M&T Visa Signature Credit Card allows cardholders to earn unlimited cash back with every purchase they make. With a straightforward and flat rate of 1.5% on all purchases, all customers need to do is spend normally and they will maximize their rewards. If cardholders spend an average of $1,325 every month, the average yearly rewards value will be around $272 for them; this will give you a clear picture of how much you can earn from the M&T Visa Signature Credit Card.

Cardholders will gradually lose incentives to continue using cash back cards because these cards have a cap for cash cardholders can earn. It is a different story for The M&T Visa Signature Credit Card; it has unlimited cash features, which allows cardholders to generate a huge amount of money in their savings with consistent spendings.

It is fairly easy to redeem the cash. The redeemed cash will automatically transfer to the cardholders’ checking accounts. Furthermore, they can redeem the cash for statement credits, travel, or merchandise. However, cardholders need to claim their rewards quickly because the cash will expire after three years.

One additional feature is to customize your card. Cardholders can choose from various styles to make their credit card look unique.

Welcome Bonus

The M&T Visa Signature Credit Card offers 10,000 bonus points if cardholders spend more than $500 in any purchase within the first 90 days. These points are valued at around $100 and can be redeemed for cash, merchandise, and gift cards. This sign-up bonus provides a decent value and only has little requirements.

Other benefits

Cardholders of the M&T Visa Signature Credit Card can get access to other valuable benefits and special experiences. They can enjoy concierge service with their travel plans. This service can assist with cardholder’s current or future travel needs including hotel rental, restaurant, and entertainment. 

Moreover, the M&T Visa Signature Credit Card also provides great protection for travelers. It does not only offer a zero liability policy that prevents credit card fraud but also extends warranty protection to ensure a pleasant trip for all travelers.

Credit Card Protection

The M&T Bank provides great protection and security features to ensure the overall user experience. The M&T Assurance is one feature for fraud prevention, detection, and resolution by including systems such as M&T Alert and Visa Secure. Moreover, cardholders can always report their issues by contacting 1-800-724-2440. With these features, cardholders can use their credit card confidently.

No Annual Fee & No Foreign Transaction Fee

The M&T Visa Signature Credit Card features no annual fee and no foreign transaction fee. While many other credit cards charge from a range of $50 to %500 as the annual fee and an average 3% for foreign transaction fees, this feature significantly saves cardholders a huge amount of money. 

0% Introductory APR for Purchase and Balance Transfers

The M&T Visa Signature Credit Card has 0% introductory APR for both purchases and balance transfers within one year from account opening. This feature can be significant for any cardholder who plans to consolidate their debt or try to transfer a decent amount of money to any card. Along with the welcome bonus, this deal helps cardholders to save a great amount of money in the first year after they opened the account. 

Conclusion

The M&T Visa Signature Credit Card is a great deal that includes few restrictions and a consistent cash back rate. Furthermore, the perks are beneficial as well. With no annual fee and no foreign transaction fee as well as 0% introductory APR for purchase and balance transfers, cardholders can easily accumulate their wealth without paying the additional fees. Not to mention there are other features such as concierge service and travel protection. All things considered, this card is well-rounded and should be a great choice for everyone.