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Card features:

• Receive a $25 statement credit upon qualifying transaction(s)!§§
• The most rewarding choices—Redeem WorldPoints for travel, brand-name merchandise, gift certificates from top retailers, or unlimited cash rewards.§
• Redemption levels start as low as 2,500 points.
• Earn one point for every dollar in purchases. Use your card for everyday purchases, recurring bills, or major expenses, and watch your WorldPoints grow even faster!
• The most personal service—24-hour access to WorldPoints AssistSM is like having your own personal assistant who can help get great seats at entertainment and sporting events, make last-minute dinner reservations, arrange tee times, and more!
• Online account access—get up-to-the-minute account information, schedule online payments, review recent statements and much more.
• Introductory 2.9% Annual Percentage Rate (APR)† on Cash Advance Checks and Balance Transfers.*
• No Annual Fee

Terms:

§§ To be eligible for the $25 Statement Credit Offer (1) apply for the new M&T Bank credit card account between 1/23/2004 and 12/31/2004, and (2) make a new net retail purchase transaction using your new M&T Bank credit card. The transaction must post to the account within 90 days of the date MBNA opened the account. Cash advances (including cash advance checks and balance transfers); fees; late fees; finance charges; unauthorized and fraudulent transactions; and purchases of money orders or other cash equivalents do not qualify as retail purchase transactions. Statement credit will post to the new credit card account within 8 to 12 weeks of the qualifying transaction. One $25 statement credit per new account. Receipt of statement credit does not affect your responsibility to pay your minimum monthly payment due.