PERSONAL CREDIT CARDS
Choose a card that’s right for you.
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 Signature Card](/content/dam/mtb-web/images/card-offers/signature-card-160x106.jpg)
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*}}
M&T Visa® Credit Card with Rewards
![M&T Rewards Card](/content/dam/mtb-web/images/card-offers/rewards-card-160x106.jpg)
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 %-%APR thereafter{{d58*}}
No annual fee{{d58*}}
M&T Visa®
Credit Card
![](/content/dam/mtb-web/images/card-offers/mt-credit-card-160x106.jpg)
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 %-% APR thereafter{{d58*}}
No annual fee{{d58*}}
M&T Secured
Credit Card
![](/content/dam/mtb-web/images/card-offers/secure-card-160x106.jpg)
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*}}
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.{{d2014*}} It's that easy to reward yourself for your purchases.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-cash.png)
Cash back
Convert points into a statement credit or direct deposit.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-pay-back-debt.png)
Pay yourself back
With Pay Me Back, use points to cover a transaction that has posted to your credit card account.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-restaurants.png)
Shop
Shop over 2,000 merchandise items from name brands you love.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-gift-cards.png)
Gift cards
Choose gift cards from your favorite stores or restaurants.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-travel.png)
Travel
Use points to book your next vacation.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-events.png)
Events
Redeem points for attractions, events and other unforgettable experiences.
CUSTOM CREDIT CARDS
CUSTOM CREDIT CARDS A credit card as unique as you.
Don't currently bank with M&T?
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-gift-cards.png)
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.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-travel.png)
Financial Resources
We have the resources and tools you need to help you make the right choice for your goals.
![](/content/dam/mtb-web/images/rcc-product-pages/rcc-category-page/icon-events.png)
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 | 9/1/2023 | 18.49% | 22.49% | 27.49% | 27.49% |
REW | 9/1/2023 | 19.49% | 23.49% | 27.49% | 27.49% |
SIG | 9/1/2023 | 19.49% | 23.49% | 27.49% | 27.49% |
SCC | 9/1/2023 | NA | 22.49% | 27.49% | 27.49% |