Take control of your credit with the M&T Secured Credit Card.

We're here to help you establish, improve or rebuild your credit.

Building your financial future is important. 

Whether you're starting from scratch or looking for a way to rebuild your credit, the M&T Secured Credit Card is a great place to start.

  • No annual fee
  • 17.24% variable APR
  • Secured by a deposit equal to your credit limit (greater than or equal to $250)
  • Free access to your FICO® Credit Score on your account statement
  • Periodic review of your account to determine if you meet the criteria to graduate to an unsecured credit card and have your security deposit returned                         
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.
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.
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.

Additional features for all M&T Credit Cards

Choose your own card design at no cost

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.

Add your card to your digital wallet

Temporarily lock your card if you have misplaced it

Prevent, detect and resolve fraud with M&T Assurance®

icon of contactless technology feature

Globally accepted chip and contactess technology

Manage your account with M&T Online and Mobile Banking

icon of immediate credit line feature

Immediate credit line availability by paying your credit card online from an M&T account


Learn more about how you can achieve your financial goals.

Professional woman meeting with a couple.

Credit Scores and Reports

We're here to help you understand how you can achieve your financial goals. 

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Edge of multiple credit cards peeking out of a wallet.

Credit Cards

A valuable tool when managed correctly. Learn why credit cards may be the right choice for your financial future. 

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M&T Money Smart

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

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Person holding his credit card in one hand and smart phone in the other hand.

5 Benefits of a Secured Credit Card

Discover how to access and build your future credit.

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Learn more about financial basics.

Learn more about banking basics, including credit cards, by visiting our Financial Education Center.

Make a Credit Card Payment

Already have an M&T credit card? We offer a number of different ways to make your payment, so you can choose the most convenient method for you. 

Hardship Assistance Options

If you need help with your credit card payments, contact us to discuss your options.

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.