Built with convenience in mind.
With your M&T Visa® Credit Card you can make purchases and manage
transactions with ease.
The card with flexibility to cover the everyday and the unexpected purchases.
With a lower interest rate, you can feel better about purchasing what you need, when you need it.
Low intro rate offers
O% introductory APR on purchases and balance transfers for 12 billing cycles from account opening (a 4% balance transfer fee will apply). Receive variable 14.799%–.99% APR thereafter.{{d58*}}
No annual fee
Use your card year-round without paying an annual fee.{{d58*}} That's more savings for you.
Online & mobile banking
Manage your account, make payments, transfer funds and more with M&T Online Banking or our mobile app.
Digital wallet
Add your card to your mobile device's digital wallet and make purchases faster, easier and more securely.
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
- Receive security alerts to your mobile phone{{d70*}}
- Temporarily lock your card if you have misplaced it
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% |
