M&T Visa Credit Card with Rewards
No annual fee. Purchase APR 15.74–22.74%, variable.
- Annual fee
- Issuer's pagemtb.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagemtb.com
“Receive variable 15.74% - 22.74% APR thereafter.{ {d1585*}}”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 65% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pagemtb.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagemtb.com “Receive variable 15.74% - 22.74% APR thereafter.{ {d1585*}}” |
| Intro APR | Issuer's pagemtb.com “0% intro APR on purchases and balance transfers for 9 billing cycles from account opening (a 4% balance transfer fee will apply).” |
| Balance transfer APR | Issuer's pagemtb.com “0% intro APR on purchases and balance transfers for 9 billing cycles from account opening (a 4% balance transfer fee will apply).” |
| Balance transfer fee | Issuer's pagemtb.com “0% intro APR on purchases and balance transfers for 9 billing cycles from account opening (a 4% balance transfer fee will apply).” |
Carrying a balance? See how long it takes to pay off
Questions
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$900 a year
- GM Rewards MastercardBarclays · No annual fee+$900 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).