The ins and outs of your M&T Rewards program.

Learn the basics.

How to redeem for "Sweep Your Rewards" auto redemption

Learn how to set up automatic cash back through Sweep Your Rewards.

How to redeem for Cash Back

Learn how to redeem for cash back, along with your various cash redemption options.

Frequently asked questions.

Most customers access their account by using M&T Online Banking or the M&T mobile app or your online account. You can also get information about your account and redeem by phone by calling the Rewards Customer Service Center at 1-866-579-2335.

Your card is automatically enrolled in M&T Rewards and earns the following points for every purchase:

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

To view your Rewards Program account information, you can log into Online Banking at or our mobile app.

  1. Log in to online banking or the mobile app
  2. On the Account Summary Page, you can view your rewards point balances under the credit card section
  3. Select the account you wish to redeem
  4. On the Account Details Page, select the “Redeem” button

From this point you will be taken via a secure portal to the Rewards site where you can view or redeem your points and other program information.

If you are a Business Credit Card with Rewards cardholder, please contact your online banking admin to gain access to the company’s rewards.

Rewards do not expire; however, your rewards balance will be forfeited on the first day of the calendar month following the month in which your account becomes an Inactive Account. An Inactive Account refers to an account that has not used the associated Credit Card to make a purchase in the previous 12-month period. For example, if you make a purchase with your M&T credit card on January 15th, and do not make an additional purchase before January 15th of the following year, your point balance will then be forfeited on February 1st.

An Active Account, for the purposes of the M&T Rewards Program, is an account that has made a purchase in the previous 12-month period. Transferring points, making payments on your outstanding balance, using your credit card for transactions that are not purchases (such as cash advances, overdraft advances, balance transfers, etc.) do not qualify your account to be considered an Active Account.