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.
Secured with a deposit
Your card is secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250).{{d1175*}}
Graduate to an unsecured credit card
We periodically review your account to determine if you meet the criteria to graduate to an unsecured credit card and have your security deposit returned.{{d634*}}
Access to your FICO® Credit Score
Get convenient and free access to your FICO® Credit Score on your account statement.{{d599*}}
Low rate offer
Receive variable 18.74% APR.{{d58*}}
No annual fee
Use your card year-round without paying an annual fee.{{d58*}} That's more savings for you.
Features available with all M&T Visa Credit Cards.
Take advantage of these great benefits right away
- Manage your account with M&T Online and Mobile Banking
- Immediate credit line availability when paying your credit card online from an M&T account
- Customize your own card design at no cost{{d67*}}
- Add your card to your digital wallet
- Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds{{d143*}}
- Service your card online, by phone or at a branch
Focus on security
- Help prevent, detect and resolve fraud with M&T Assurance®
- Globally accepted chip and contactless technology
- Temporarily lock your card if you have misplaced it
Resources
Learn more about how you can achieve your financial goals.
Financial Education Center
Visit our Financial Education Center to learn more about banking basics, including credit cards. Our playlists are designed to help boost your confidence in understanding your personal finances.
The application process is simple.
Get Started
Current M&T customers can apply online or visit their nearest branch. New customers can set up an appointment to take the next steps. Prefer to talk to someone? Both current and new customers can apply by phone at 1-877-779-3525.
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.
Credit Card Data
| Version | RD | APRL | APRH | APRO | APRC |
|---|---|---|---|---|---|
| NOR | 11/1/2024 | 14.99% | 21.99% | 26.99% | 26.99% |
| REW | 11/1/2024 | 15.99% | 22.99% | 26.99% | 26.99% |
| SIG | 11/1/2024 | 18.99% | 22.99% | 26.99% | 26.99% |
| SCC | 11/1/2024 | NA | 21.99% | 26.99% | 26.99% |
