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.
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Welcome United Bank Credit Card holders
Visit our frequently asked questions for instructions about your account transition to M&T systems.
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M&T Visa®
Signature Credit Card
Turn your purchases into cash.
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No annual fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
Unlimited 1.5% cash back on every purchase
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Credit Card with Rewards or M&T Visa Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com. -
10,000 bonus points after $500 in purchases made in the first 90 days from account opening
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Credit Card with Rewards or M&T Visa Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com. -
0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
Variable %-% APR thereafter
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.
M&T Visa® Credit Card with Rewards
Earn rewards with every purchase.
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No annual fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
Earn 1 point per $1 spent on every purchase, no earning cap
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Credit Card with Rewards or M&T Visa Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com. -
10,000 bonus points after $500 in purchases made in the first 90 days from account opening
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Credit Card with Rewards or M&T Visa Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com. -
0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
Variable %-% APR thereafter
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.
M&T Visa®
Credit Card
Create flexibility with your purchases.
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No annual fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
Variable %-% APR thereafter
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.
M&T Secured
Credit Card
Take control of your credit.
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No annual fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
Secured by a deposit equal to your credit line
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Variable APR of %
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español. -
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. -
Periodic review of your account to determine if you meet the criteria to graduate to an unsecured credit card
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.
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 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. It's that easy to reward yourself for your purchases.
The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to customers who open and use a new M&T Visa® Credit Card with Rewards or M&T Visa Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com.
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.
Learn How to Customize a CardDon'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.
Credit Card Data
| Version | RD | APRL | APRH | APRO | APRC |
|---|---|---|---|---|---|
| NOR | 5/1/2023 | 14.99% | 21.99% | 26.99% | 26.99% |
| REW | 5/1/2023 | 15.99% | 22.99% | 26.99% | 26.99% |
| SIG | 5/1/2023 | 15.99% | 22.99% | 26.99% | 26.99% |
| SCC | 5/1/2023 | NA | 21.99% | 26.99% | 26.99% |
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 details.