M&T Visa Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The M&T Visa Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo rewardsNo initial rewards bonusBalance transfer feeHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
M&T Visa Credit Card has a rating of 3.2/5 according to our proprietary credit card rating system. This rating reflects how appealing M&T Visa Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, M&T Visa Credit Card earned a score of 4.0/5 for Fees, 0.0/5 for Rewards, 2.9/5 for Cost, 3.5/5 for APR, and 3.9/5 for User Reviews. Info about the M&T Visa Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.9/5
76 reviewsRead and write reviews
Market Comparison
Market Comparison
3.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
0.0
Cost
2.9
APR
3.5
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 18.49% - 22.49% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 18.49% - 22.49% (V) APR after that
Balance Transfer Fee:4% (min $10)
M&T Visa Credit Card's Additional Info
M&T Assurance® for fraud prevention, detection and resolution.
Add your card to your mobile device's digital wallet and make purchases faster, easier and more securely.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.9
Market Comparison
3.1
fees: 4.0
rewards: 0.0
cost: 2.9
APR: 3.5
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.5
Market Comparison
4.2
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.2
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
(76)
(5,118)
(131)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 21 months from account opening
transfer intro apr0% for 12 months|Transfer Fee:4% (min $10)
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about M&T Visa Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
To check if your M&T Visa Credit Card is still active, you can follow these steps:
Call Customer Service. The most straightforward way to check the status of your credit card is to call M&T Bank's customer service. You can reach them at (866) 279-0888 (or the number you see on the back of your card).
Check Your Mail. You can also check your mail for any notifications from M&T Bank regarding the status...
If you're the one requesting a higher credit limit, the issuer will perform a hard pull to determine your eligibility for it. And as you might already know, a hard pull can lower your credit score for a short period of time.
On the other hand, automatic credit limit increases will only result in a soft pull and won't affect your credit...
The M&T Visa Credit Card's rental car insurance only works if you deny the insurance offered by the rental company. Use your card to pay for your rental and you'll be covered for:
Physical damage or theft
Loss-of-use charges
Customary towing charges
Certain vehicles are not covered, and some other exclusions apply as well. To find out more or to file a claim, visit the Benefit Administrator's website or call (800) 348-8472.
Share your insights and review for the M&T Visa Credit Card
5
13%
4
68%
3
17%
2
1%
1
0%
3.9
76 reviews
76 reviews
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Jessica Alza @jj.dio
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4 Star Rating
This was the first credit card that I ever got. I remember signing up for it during freshman orientation in college. My university had a Wells Fargo branch in our main student center so pretty much everyone signed up for this card. All through college this it proved to be quite useful, especially when purchasing books each semester, it felt good knowing I didn’t have to worry about coming out of pocket to cover those expenses. It has all the basic features you would expect for a credit card, late fees are standard, grace period is normal, and it has very limited rewards, but all of this is to be expected. For a first card this is a great choice and if you make purchases regularly and pay your balance off within an adequate amount of time, your spending limit will continue to increase.
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Garrett Garmon @garrett.garmon.3
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5 Star Rating
This is the first credit card I have ever owned. I got this card in my second year of college as a way to build credit. The reason I chose this card is because I also have student loans and other accounts through them and I could look at them all in the same place. The website is very easy to navigate and if you have any questions the customer service will take care of them for you very quickly and easily. One thing about the customer service is that they are pushy sometimes and will always offer you services such as fraud protection or trading accounts. The card is very user friendly and flexible. Purchases upload to the online account very quickly and accurately and I have never had any problems making payments. The rate is very high compared to other student credit cards so if you get behind on the payments it could become a problem, so keep up with the payments and the Wells Fargo Credit Card is a very great card.
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Tori Riemersma @tori_riemersma
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5 Star Rating
This card was my first credit card ever. I really like Wells Fargo's online service: it is quick and very easy to use. The customer service is great, as well: I have never had any problems when contacting them. The limit on this card is incredibly high. However, they're quick to tack on late fees. The fees did end up keeping me in line, and made me sure to pay back in time, which I guess is helpful enough. My favourite part has to be the lack of annual fees: It's nice, being able to buy without any tacked on fees when I pay in time.
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Chuck Rossi @chuck.kafta
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5 Star Rating
The Wells Fargo Student Credit Card is great for young people that wants to build up their credit. I started with an $800 limit that has since gone up to $2500. The card has an okay annual rate. The reason I signed up for Wells Fargo was because it was the most convenient bank near my apartment. The card has a higher limit than one that I would ever need. A great option that the bank has is to have them send you the billing statement to your email rather than them sending a physical on. I accidentally went over my limit, but they gave me a window to pay off the overdraft without charging me extra.
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Thomas Santell @dottommytm
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3 Star Rating
I signed up with Wells Fargo bank during the summer between high school and college. I was 18 at the time. They offered me this credit card because I was going to College. It has lower rates than the normal card. I started off with an 800 dollar credit limit. It has rose every year, I am now at a 3600 dollar credit limit. A negative about this card is that if you are late on your payment by even a couple days they tack on a 35 dollar late charge. Also, they will call you multiple times a day with their automated messaging system telling you to pay. It is rather annoying.
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Regena Seipel @regenas
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4 Star Rating
This credit card is rather easy to use, especially with Wells Fargo's online banking system. You can make a credit card payment at pretty much any time using the online system, and you can have automated e-mailed sent to you about your limit (this is optional, but very convenient). I don't use this card too often, so I don't go over my limit, but my experience has been positive. They have never blocked me for any reason, and my purchases always go through without a problem. I would recommend this for college students who are attempting to get their first credit card.
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Joe Petre @joe.petre.7
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5 Star Rating
I have been nothing but happy with this credit card. It is simple to use, and the online banking makes it so simple to pay off my debt on time! It is designed for college students and I use it all the time because of its convenience and ease of use. In addition it was easy for me to get and there is no annual fees which is very helpful. All of the rates are fair and have been very reasonable. I would definitely reccommend this card to any of my friends in college who use wells fargo and could use a credit card.
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+ 69 WalletHub users submitted a rating without writing a full review
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