Search Log In > Choose a card that's right for you. Whether it's a card that earns rewards, one that helps to rebuild credit or just the convenience of a card from the bank you trust — we have options for you. Apply Now Book an Appointment M&T Visa® Signature Credit Card Turn your purchases into cash. No annual fee1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Unlimited 1.5% cash back on every purchase2 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. 10,000 bonus points after $500 in purchases made in the first 90 days from account opening2 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening. A 4% balance transfer fee will apply1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Variable 11.24-18.24% APR thereafter1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. No foreign transaction fee on purchases made outside the U.S.1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Apply Now Learn More M&T Visa® Credit Card with Rewards Earn rewards with every swipe. No annual fee1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Earn 1 point per $1 spent on every purchase, no earning cap2 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. 10,000 bonus points after $500 in purchases made in the first 90 days from account opening2 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening. A 4% balance transfer fee will apply1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Variable 11.24-18.24% APR thereafter1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Apply Now Learn More M&T Visa® Credit Card Create flexibility with your purchases. No annual fee1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening. A 4% balance transfer fee will apply1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Variable 10.24-17.24% APR thereafter1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Apply Now Learn More M&T Secured Credit Card Take control of your credit. No annual fee1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Secured by a deposit equal to your credit line Variable APR of 17.24%1 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Free access to your FICO® Credit Score on your account statement3 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Periodic review of your account to determine if you meet the criteria to graduate to an unsecured credit card4 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. Schedule an Appointment Learn More WHY M&T Why choose a credit card from M&T? We get it, there are a lot of options out there. Having a card with your bank means the added value of security and convenience. Transfer funds from your bank account & track expenses in one place Bank on your own schedule with online banking or our mobile app Use our M&T Money Smart™ Cash Flow feature to predict your balance Pay with your card using your digital wallet Globally accepted chip and contactless technology Peace of mind with 24/7 fraud prevention and detection Built-in security and account management tools The best experiences are the ones you earn. With M&T Rewards, you earn points with each purchase you make or bill you pay. There's no earning limits or rotating bonus categories — just spend and save for what you want.2 Disclosure number, please reference additional details in the Disclosures section at the bottom of this page. It's that easy to reward yourself for your purchases. Cash back Convert points into a statement credit or direct deposit. Pay yourself back With Pay Me Back, use points to cover a transaction that has posted to your credit card account. Shop Shop over 2,000 merchandise items from name brands you love. Gift cards Choose gift cards from your favorite stores or restaurants. Travel Use points to book your next vacation. Events Redeem points for attractions, events and other unforgettable experiences. Learn More About M&T Rewards CUSTOM CREDIT CARDS A card as unique as you. Customize your new M&T Visa Card with the image of your choice or choose one from the hundreds available at our online design studio for free. Learn How to Customize a Card Current Cardholder Resources If you need to make a payment or want to learn about payment assistance options due to hardship, we’re here to help. Manage Your Cards > Learn How to Make a Payment > Explore Repayment Options > Financial Education Center We have the resources and tools you need to help you make the right choice for your goals. Learn More > M&T Money Smart Manage, simplify and learn more about your unique spending habits with our new financial management tool. Learn More > Why Bank with M&T? We understand what’s important. That’s why we’ve built a banking experience with you in mind. Help us make your banking experience better. Send feedback CONTACT US 1-800-724-3222 Locations & ATMs Make an Appointment More ways to reach us ABOUT About M&T Careers Investor Relations Security Search Facebook Twitter LinkedIn Equal Housing Lender. © 2021 M&T Bank. Member FDIC. All rights reserved. Privacy Sitemap Digital Service Agreement ESign Consent Terms of Use Disclosures: 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. See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. The M&T Rewards Program (“Program”) is subject to the M&T Rewards Program Terms & Conditions (“Program Terms & Conditions”). One 10,000 bonus point offer per Program Account is available to residents of the United States who open and use a new M&T Visa® Credit Card with Rewards or M&T Visa Signature Credit Card to make at least $500 in Purchases within the first 90 days after such Card is opened. To be eligible for this bonus offer, account must be open, all minimum payments from account open must be made on time, customer must have made $500 in valid Purchases as returns will be deducted from purchase total, and not be in default at the time of fulfillment. Additional exclusions and terms apply. M&T Visa Credit Cards with Rewards earn 1 point for every $1 in Purchases. M&T Visa Signature Credit Cards earn 1.5 points for every $1 in Purchases. Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice. Full Program Terms & Conditions, Definitions, and other Program information can be found at rewards.mtb.com. 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.