I have had an M&T Visa Credit Card with World Points for the last few years and have been very pleased with it. The APR on this card is fairly low but it still has a good rewards system. Also, because it is a Visa credit card it is accepted at almost everywhere that I have wanted to use it. I have been happy with the rewards system offered with the card. For every dollar you spend you get one point. These points can be redeemed for a wide variety of things ranging from gift cards to airline miles. It seems as though there is something there to please everyone. Their gift card selection alone is very extensive. One thing that I love about the card is that I can handle almost any aspect of my account  online. I have been very pleased with the webiste and have never had problems posting payments. The few times that I have had questions or have need to call someone I have always received excellent service with very friendly staff. This is a very nice card that I would definitely recommend.

vwyatt

Lutherville Timonium, MD