PERSONAL CREDIT CARDS
Choose a card that’s right for you.
Whether it's a 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
Turn your purchases into cash.
No annual fee{{d58*}}
No foreign transaction fee{{d58*}}
Unlimited 1.5% cash back on every purchase{{d597*}}
10,000 bonus points after $500 in purchases made in the first 90 days from account opening{{d597*}}
0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {{d58*}}
Variable 19.24%-23.24% APR thereafter{{d58*}}
M&T Visa® Credit Card with Rewards
Turn your purchases into cash.
No annual fee{{d58*}}
Earn 1 point per $1 spent on every purchase, no earning cap{{d597*}}
10,000 bonus points after $500 in purchases made in the first 90 days from account opening{{d597*}}
0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {{d58*}}
Variable 19.24%-23.24% APR thereafter{{d58*}}
M&T Visa®
Credit Card
Create flexibility with your purchases.
No annual fee{{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*}}
M&T Secured
Credit Card
Take control of your credit.
No annual fee{{d58*}}
Secured by a deposit equal to your credit line
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*}}
WHY M&T
Why choose a credit card from 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.
- Transfer funds from your bank account & track expenses in one place
- Bank on your own schedule with online banking or our mobile app
- Use our M&T Money Smart™ Cash Flow feature to predict your balance
- Pay with your credit card using your digital wallet
- Globally accepted chip and contactless technology
- Peace of mind with 24/7 fraud prevention and detection
- Built-in security and account management tools
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.{{d597*}} 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.
CUSTOM CREDIT CARDS
A card as unique as you.
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.
Financial Education Center
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.
