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 trust — we have options for you.

Turn your purchases into cash.

M&T Visa® 
Signature Credit Card

  • No annual fee

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • 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 residents of the United States 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 residents of the United States 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

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • Variable 11.24-18.24% APR thereafter

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • No foreign transaction fee on purchases made outside the U.S.

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
Earn rewards with every swipe.

M&T Visa® Credit Card with Rewards

  • No annual fee

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • 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 residents of the United States 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 residents of the United States 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

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • Variable 11.24-18.24% APR thereafter

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
Create flexibility with your purchases.

M&T Visa®
Credit Card

  • No annual fee

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening. A 4% balance transfer fee will apply

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • Variable 10.24-17.24% APR thereafter

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
Take control of your credit.

M&T Secured
Credit Card

  • No annual fee

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • Secured by a deposit equal to your credit line

  • Variable APR of 17.24%

    The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 9/30/2021: M&T Bank Visa® Credit Card Agreement (PDF)

    If you are unsure of your account open date, please call us at 1-866-279-0888.
  • 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. Having a card with your bank means the added value of security and convenience.

 

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 residents of the United States 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 Card

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.

Manage Your Cards >

Learn How to Make a Payment >

Explore Repayment Options > 

Financial Education Center

We have the resources and tools you need to help you make the right choice for your goals.

Learn More >

M&T Money Smart

Manage, simplify and learn more about your unique spending habits with our new financial management tool. 

Learn More >

 

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.