Take control of your credit with the M&T Secured Credit Card.

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

Building your financial future is important.

Whether you're starting from scratch or looking for a way to rebuild your credit, the M&T Secured Credit Card is a great place to start.

Secured with a deposit

You card is secured by a deposit equal to your credit limit (greater than or equal to $250).


Graduate to an unsecured credit card

We periodically review your account to determine if you meet the criteria to graduate to an unsecured credit card and have your security deposit returned.                  

Accounts will be automatically reviewed on a periodic basis, beginning after the account has been opened at least six months, to see if your account qualifies to “graduate” to an unsecured credit card, after showing responsible credit management over time. If you are graduated to an unsecured credit card, your security deposit will be made available for use in your M&T savings account.  Time periods are subject to change. Non-Resident Aliens will not be eligible to graduate to an unsecured credit card.

Access to your FICO® Credit Score

Get convenient and free access to your FICO® Credit Score on your account statement.

Please note that the FICO® Credit Score displayed on your statement will be updated quarterly. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. To learn more, visit https://ficoscore.com/info.

Low rate offer

Receive variable 17.24% APR.

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.

No annual fee

Use your card year-round without paying an annual fee. That's more savings for you. 

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.

Features available with all M&T Visa Credit Cards.


Take advantage of these great benefits right away

  • Manage your account with M&T Online and Mobile Banking
  • Immediate credit line availability when paying your credit card online from an M&T account
  • Customize your own card design at no cost
  • Add your card to your digital wallet
  • Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds
  • Service your card online, by phone or at a branch

Focus on security

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. The "Identify Yourself" card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.


Learn more about how you can achieve your financial goals.

Financial Education Center

Visit our Financial Education Center to learn more about banking basics, including credit cards. Our playlists are designed to help boost your confidence in understanding your personal finances.

Tools & Resources

Credit Scores and Reports

We're here to help you understand how you can achieve your financial goals.
Read Article >
Tools & Resources

Credit Cards

A valuable tool when managed correctly. Learn why credit cards may be the right choice for your financial future.
Read Article >
Tools & Resources

M&T Money Smart

Manage, simplify and learn more about your unique spending habits with our new financial management tool.
Read Article >
Tools & Resources

5 Benefits of a Secured Credit Card

Discover how to access and build your future credit.
Read Article >

Get Started

The application process is simple.

Both current and new M&T customers can apply for a Secured Credit Card by setting up an appoinment and visiting their nearest branch. You can also apply by phone at 1-800-724-3222.

Make a Credit Card Payment

Already have an M&T credit card? We offer a number of different ways to make your payment, so you can choose the most convenient method for you. 

Hardship Assistance Options

If you need help with your credit card payments, contact us to discuss your options.

Visa® is a registered trademark of Visa International Service Association. All other service marks and trade names referenced in this material are the property of their respective owners.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.