M&T Secured Credit Card

Find out how the M&T Secured Credit Card may help you establish, improve, or rebuild your credit.

Top Features

Card Features

  • ​Designed to help establish, improve or rebuild credit
  • Secured by a deposit equal to your credit limit (greater than or equal to $250)
  • No annual fee
  • Variable APR of 17.24%
  • Ability to customize your card at no cost
  • Multiple convenient ways to make payments, transfer funds, or review account details

Security and Protection Features

  • M&T Assurance® ​for fraud prevention, detection and resolution
  • Global acceptance with chip and contactless technology
  • Ability to temporarily lock your Credit Card, if you have misplaced it

Payment Features

  • Easily pay for purchases at millions of stores around the world when you add your Credit Card to your Digital Wallet
  • Immediate credit line availability when paying your Credit Card online from an M&T account

Rates & Fees

Please review the complete list of rates and fees associated with this card.

Terms and Conditions (PDF) >

Is this product right for you?

This product is best for people who:

  • Are looking for an affordable way to help establish, improve or rebuild credit
  • Enjoy the convenience of online and mobile account management 

How to Apply

You can apply for your M&T Secured Credit Card in person at any local M&T branch.

Credit Scores and Reports

Use M&T Money Mentor to learn how your credit score is measured and the impact it can have on your financial goals.

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
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.