M&T Rewards — Value Calculator
Estimate this card's 2-year value based on your spending and whether you're on pace to earn the welcome offer. Annual fees and reward valuations are included.
All information about M&T Rewards has been collected independently by MaxRewards. M&T Rewards is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Based on your current assumptions.
How would you redeem points?
Choose how you expect to use your points. This valuation is used for both your welcome offer and rewards from spending.
Welcome Offer
How much qualifying spend would you put on this card each month?
$0$300+
You're on pace to meet the $500 spend requirement.
Rewards from Spending
Enter your expected yearly spend by category. Points valued at 1¢ each.
Everywhere
Your assumptions
Build your estimate
How would you redeem points?
Choose how you expect to use your points. This valuation is used for both your welcome offer and rewards from spending.
Welcome Offer
How much qualifying spend would you put on this card each month?
$0$300+
You're on pace to meet the $500 spend requirement.
Rewards from Spending
Enter your expected yearly spend by category. Points valued at 1¢ each.
Everywhere
How the math works
How your estimate is calculated
We add the value this card could provide over two years, then subtract what it costs to keep.
Why two years?
A welcome offer can make the first year look unusually valuable. Two years balances that one-time offer against the card’s ongoing value and cost.
Your 2-year estimate
Based on the choices above
Counted once
Counted in both years
Annual fees
First-year fee + ongoing annual fee
Estimated 2-year value
A planning estimate, not a guarantee.
We apply the card’s reward rate to the yearly spending you entered for each category. Spending above a category cap earns the card’s base rate, and the yearly rewards total is counted twice.
We count the offer once and include only the value your monthly spending puts you on pace to earn within the offer’s stated deadline.
We use the redemption method or point value shown in the calculator. The value you actually receive can vary depending on how you redeem your rewards.
We subtract the card’s first-year fee and its ongoing annual fee. If the first-year fee is waived, the first year counts as $0.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.