About M&T Rewards

GENERAL PROGRAM QUESTIONS

How do I access my M&T Rewards account?

Most customers access their account via rewards.mtb.com. You can also get information about your account and redeem by phone by calling the Rewards Service Center at 1-888-448-6679.

How do I enroll?

The M&T Credit Card with Rewards and M&T Visa Signature Card are automatically enrolled in M&T Rewards at the time an account is opened, so point earning begins immediately.

Are there hidden fees?

There are no fees of any type associated with your M&T Rewards account.

Is there a "new account" bonus?

New account holders can earn 10,000 bonus points by spending $500 in purchases within 90 days of account opening. That's $100 in redemption value.

Where can I go for a more detailed explanation of M&T Rewards?

The M&T Rewards Terms & Conditions can be found by going to rewards.mtb.com and clicking the Terms & Conditions link at the bottom of the page.

POINT EARNING and RETENTION

How do I earn points?

M&T Credit Card with Rewards: 1 point for every $1 spent
M&T Visa Signature Card: 1.5 points for every $1 spent

Are there earning caps?

There are no point earning caps

Which transactions earn points?

Any transaction that posts as a purchase to your M&T Visa Credit Card with Rewards or M&T Visa Signature Credit Card will earn points.  The chart below gives some examples of what does or does not qualify to earn points:
 
TRANSACTION TYPE
EARN POINTS?
Store purchase
Yes
Online purchase
Yes
Bill payment (automatic or one-time)
Yes
Tax payment
Yes
Balance transfer
No
Cash advance
No
Overdraft transfer to checking account
No
Credit card fees
No

 

Are there other point earning restrictions?

We keep it simple… You may receive occasional special promotions. However, M&T Rewards has no rotating categories to keep up with and no "sign ups" or "activations".

Do points expire?

Points expire after 48 months. For example, a point earned in January 2016 will expire on December 31st, 2019.

What happens if I fail to make my minimum payment, as agreed?

If your account is past due, you will be unable to redeem your points. However, no points will be lost and your points will be made available again once the account is brought current.

What happens if my credit is revoked or I close my credit card account?

If your account is closed by you or by us for any reason, any outstanding point balance will be forfeited.

What happens if my card is lost, stolen or expires?

You will continue to have access to your existing point balance and points earned with your new card will continue to be added to your existing M&T Rewards account.

POINT VALUE and REDEMPTION

What is a point worth?

A point is worth $0.01 when redeemed for cash, gift cards or airline travel and worth approximately $0.01 when redeemed for items that may vary in value such as merchandise and travel packages.

Are there airline restrictions when redeeming for travel?

You can book flights on any major US airline through M&T Rewards.

Are there blackout dates when redeeming for travel?

There are no blackout dates associated with M&T Rewards. We cannot guarantee that any given date will be available with any specific airline, but our booking process allows redemption without blackout restrictions.

Are there booking fees?

There are no booking fees when booking travel through M&T Rewards.

Can I transfer or give away my points?

Customers can combine their points by transferring points between M&T Rewards accounts. Simply go to rewards.mtb.com or call 1-888-448-6679 to transfer points to another account.

CASHBACK

What is cash back?

Cash back can be a statement credit to the credit card associated with your M&T Rewards account or a deposit posted to your M&T Bank checking account or M&T Bank savings account.

How do I redeem for cash back?

Cash is just one of the great redemption options available. Go to rewards.mtb.com or call 1-888-448-6679 to redeem.

Can I receive cash back automatically?

Absolutely. Go to rewards.mtb.com or call 1-888-448-6679 to set up automatic redemption under the cash redemption option. You can auto-redeem for credit card statement credits or cash deposited into your M&T checking account.

When will automatic cash back post to my account?

Automatic cash back will post to your account within 2 business days of the date on which it is earned. For example, if you are set to auto-redeem for $100 cash and your balance reaches 10,000 points on Monday, your points will redeem that night and you will see the cash in your account by Wednesday.