Choose a card that’s right for you.

PERSONAL CREDIT CARDS

Whether it's a credit card that earns rewards, one that helps to rebuild credit or just the convenience of a card from the bank you can count on — we have options for you.

Already bank online with M&T? Apply now.

 

Don't currently bank with M&T?  Learn More >

M&T Visa®
Signature Credit Card

M&T Visa® Signature Credit Card

Turn your purchases into cash.

10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{{d2014*}}

Card Benefits:

Unlimited 1.5% cash back: Earn 1.5 points per $1 spent on every purchase, no earning limits{{d2014*}}

Redeem points for cash back, statement credit, gift cards or travel {{d2014*}}

Travel smarter with No Foreign Transaction Fees {{d58*}}

0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {{d58*}}

Variable %-APR thereafter{{d58*}}

No annual fee{{d58*}}

Apply Now
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M&T Visa® Credit Card with Rewards

M&T Visa® Credit Card with Rewards

Earn rewards with every swipe.

10,000 Point Offer: Earn 10,000 bonus points ($100 value) after $500 in purchases made in the first 90 days from account opening.{{d2014*}}

Card Benefits:

Unlimited 1% cash back: Earn 1 point per $1 spent on every purchase, no earning limits{{d2014*}}

Redeem points for cash back, statement credit, gift cards or travel{{d2014*}}

0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {{d58*}}

Variable 15.99% - 22.99% APR thereafter{{d58*}}

No annual fee{{d58*}}

Apply Now
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M&T Visa®
Credit Card

M&T Visa® Credit Card

Create flexibility with your purchases.

With your M&T Visa® Credit Card you can make purchases and manage transactions with ease.                               

Card Benefits:

0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {{d58*}}

Variable 14.99% - 21.99% APR thereafter{{d58*}}

No annual fee{{d58*}}

Apply Now
Learn More

M&T Secured
Credit Card

M&T Secured Credit Card

Take control of your credit.

We're here to help you establish, improve or rebuild your credit.

 

Card Benefits:

Secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250){{d1175*}}

Variable APR of %{{d58*}}

Free access to your FICO® Credit Score on your account statement{{d599*}}

Periodic review of your account to determine if you meet the criteria to graduate to an unsecured credit card{{d634*}}

No annual fee{{d58*}}

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Why choose a credit card from M&T?

WHY M&T

We get it, there are a lot of options out there. With a credit card from your bank, you can enjoy the added value of security and convenience.

The best experiences are the ones you earn.

With M&T Rewards, you earn points with each purchase you make or bill you pay. There's no earning limits or rotating bonus categories — just spend and save for what you want.{{d2014*}} It's that easy to reward yourself for your purchases.

Cash back

Convert points into a statement credit or direct deposit.

Pay yourself back

With Pay Me Back, use points to cover a transaction that has posted to your credit card account.

Shop

Shop over 2,000 merchandise items from name brands you love.

Gift cards

Choose gift cards from your favorite stores or restaurants.

Travel

Use points to book your next vacation.

Events

Redeem points for attractions, events and other unforgettable experiences.

A credit card as unique as you.

CUSTOM CREDIT CARDS

Customize your new M&T Visa Card with the image of your choice or choose one from the hundreds available at our online design studio for free.

Don't currently bank with M&T?

Apply for an M&T credit card in a branch or by phone. 

If you'd like to open an M&T checking account, you can do so online. You'll need:

  • Less than 10 minutes
  • Your Social Security Number
  • To be a U.S. Citizen or Resident Alien
  • To be at least 18 years old

Current Cardholder Resources

If you need to make a payment or want to learn about payment assistance options due to hardship, we’re here to help.

Manage Your Cards
Learn How to Make a Payment
Explore Repayment Options

Financial Resources

We have the resources and tools you need to help you make the right choice for your goals. 

 

M&T Money Smart

Manage, simplify and learn more about your unique spending habits with our new financial management tool. 

 

Credit Card Rate Handler

Credit Card Data

Version RD APRL APRH APRO APRC
NOR 11/1/2024 14.99% 21.99% 26.99% 26.99%
REW 11/1/2024 15.99% 22.99% 26.99% 26.99%
SIG 11/1/2024 18.99% 22.99% 26.99% 26.99%
SCC 11/1/2024 NA 21.99% 26.99% 26.99%