Signature Credit Card
Rewards Credit Card
Visa Credit Card
Secured Credit Card

Built with convenience in mind.

With your M&T Visa® Credit Card you can make purchases and manage transactions with ease.

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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.

 

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.  

No annual fee

Use your card year-round without paying an annual fee. That's more savings for you. 

 

See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. Consulte la información de precios de tarjetas de crédito para conocer los Términos y Condiciones completos asociados con las tarjetas de crédito M&T Bank Visa® en español.  

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

  • Immediate credit line availability when paying your credit card online from an M&T account
  • Customize your own card design at no cost
  • Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds
  • 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
  • Temporarily lock your card if you have misplaced it
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
Fees apply for the use of overdraft services. See your line of credit, credit card and deposit account agreements for complete details.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking (not available for Business Debit Cards). Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply. 

Get Started

The application process is simple.

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 1-800-724-3222.

Apply Online > Book an Appointment >

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. 

Learn How to Make a Payment

Hardship Assistance Options

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

Learn About Your Options
Credit Card Rate Handler

Credit Card Data

Version RD APRL APRH APRO APRC
NOR 8/7/2024 15.49% 22.49% 27.49% 27.49%
REW 8/7/2024 16.49% 23.49% 27.49% 27.49%
SIG 8/7/2024 19.49% 23.49% 27.49% 27.49%
SCC 8/7/2024 NA 22.49% 27.49% 27.49%

 

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 details.
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.