Should I Consolidate My Credit Cards?

This calculator helps you understand whether you may potentially save by consolidating your credit card balances into one credit card. Explore the tool below to identify if consolidating your credit cards would help with your unique needs.

This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate.

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 details.

All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply depending on the type of collateral and other terms offered or chosen.
A credit card balance transfer can only be used to pay off an existing credit card balance with another financial institution. It cannot be used to pay off a loan or line of credit or another debt held by M&T Bank or its affiliates.