Credit Card Options

M&T Bank puts the power of choice in your hands. Whether you're looking for a great rate, rewards or cash back, we give you options.

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M&T Visa Signature Credit Card

Apply today and get earning power on every purchase you make with your M&T Visa® Signature Credit Card.
  • No annual fee​​

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

    The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus points 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. 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. 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.
  • Variable APR 11.24%–18.24% thereafter​

    See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
  • No foreign transaction fee on purchases made outside the U.S.​​

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

M&T Visa Credit Card with Rewards

The M&T Visa® Credit Card with Rewards lets you reward yourself for every purchase.
  • No annual fee

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

    The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus points 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. 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. 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.
  • Variable APR 11.24%–18.24%​​ thereafter

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

M&T Visa Credit Card

Enjoy our competitive APR and the peace of mind that comes with M&T Assurance® any time you use your M&T Visa® Credit Card with chip technology.
  • No annual fee​​

    See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
  • 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.
  • Variable APR 10.24%–17.24% thereafter 

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

M&T Visa Signature Credit Card

Apply today and get earning power on every purchase you make with your M&T Visa® Signature Credit Card.
  • No annual fee​​

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

    The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus points 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. 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. 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.
  • Variable APR 11.24%–18.24% thereafter​

    See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
  • No foreign transaction fee on purchases made outside the U.S.​​

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

M&T Visa Credit Card with Rewards

The M&T Visa® Credit Card with Rewards lets you reward yourself for every purchase.
  • No annual fee

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

    The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus points 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. 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. 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.
  • Variable APR 11.24%–18.24%​​ thereafter

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

M&T Visa Credit Card

Enjoy our competitive APR and the peace of mind that comes with M&T Assurance® any time you use your M&T Visa® Credit Card with chip technology.
  • No annual fee​​

    See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
  • 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.
  • Variable APR 10.24%–17.24% thereafter 

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

M&T Secured Credit Card

Start building your credit with the M&T Secured Credit Card.
  • No annual fee

    See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
  • Secured by a deposit equal to your credit line

  • Variable APR of 17.24%

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

M&T Secured Credit Card

Start building your credit with the M&T Secured Credit Card.
  • No annual fee

    See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
  • Secured by a deposit equal to your credit line

  • Variable APR of 17.24%

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