M&T Bank Credit Cards Compared (2025): Rewards, Rates, Pros

If you’re shopping for a credit card that’s easy to understand and fits your everyday needs, M&T Bank credit cards could be the right place to start.

Their cards are designed to work well for individuals, small businesses, and anyone who values clear terms without the clutter. In this guide, we’ll explore what each M&T Bank credit card offers and help you figure out which one makes the most sense for you.

Overview of M&T Bank Credit Card Lineup

M&T Bank is a reputable regional bank based in the northeastern U.S. It offers a range of credit cards designed to meet diverse needs, from building credit to earning rewards. With a strong emphasis on security, personalized service, and straightforward terms, the bank aims to keep things easy for customers. Let’s explore what makes M&T Bank credit cards stand out in 2025.

M&T offers a variety of cards grouped into:

• Personal cards: simple Visa, rewards, Signature, and secured
• Business cards: business and business rewards
• Commercial solutions: for larger businesses needing treasury-level tools

Here’s a quick snapshot of M&T Bank credit cards:

Why Choose an M&T Bank Credit Card?

Before we dive into the details of each card, let’s look at what sets M&T Bank credit cards apart.

M&T Bank is known for its customer-focused approach. With branches across the Northeast and Mid-Atlantic, M&T provides both local service and modern digital tools. All of their personal credit cards come with these M&T credit card benefits:

• No annual fees
• 0% introductory APR on purchases and balance transfers for 12 months
• Easy integration with M&T online and mobile banking
• M&T Assurance fraud protection
• Compatible with e-wallets such as Google Pay and Apple Pay

Plus, with the M&T Rewards Program, you earn points on everyday purchases and can redeem them for cash, travel, gift cards, and more.

Of course, there are some limitations:

• No premium travel perks beyond Signature
• No rotating bonus categories for higher point earnings
• Variable APRs can be high after the intro period

But overall, M&T Bank credit cards are a solid choice if you’re looking for no-fee simplicity, flexible rewards, and helpful features. Just keep in mind their limited travel perks and higher M&T Bank credit card APRs when deciding if they’re the right fit for your financial goals.

Types of Personal M&T Bank Credit Cards

Now, let’s take a closer look at each personal credit card to see what they offer and who they’re best suited for:

M&T Visa Signature Credit Card

The M&T Visa Signature Credit Card is the bank’s premium rewards card. You earn 1.5 M&T Bank credit card points for every dollar you spend, with no earning caps or rotating categories.

Key M&T Bank Credit Card Benefits:

• 1.5% cash back on every purchase
• $500 spent within the first ninety days earns 10,000 additional points
• No foreign transaction fees
• No annual fee
• 0% intro APR for 12 billing cycles
• Variable APR: 18.49%–22.49% after the intro period

This card is ideal for people who want simple, unlimited rewards without the hassle. Whether you’re buying groceries, paying bills, or booking flights, you’ll always get 1.5% back.

Another great perk is no foreign transaction fees, making it a smart choice for frequent travelers.

M&T Visa Credit Card with Rewards

The M&T Visa Credit Card with Rewards offers decent rewards for users who want to ease into the world of cash back.

While it only earns 1% back, the card still has plenty of value, especially with no annual fee and a generous intro APR period.

Key M&T Bank Credit Card Benefits:

• 1 point per $1 spent on purchases
• $500 spent within the first ninety days earns 10,000 additional points
• No annual fee
• 0% intro APR for 12 billing cycles
• Variable APR: 15.49%–22.49%

It’s perfect for someone who wants a basic rewards card with no strings attached.

M&T Visa Credit Card

This is M&T’s most basic credit card, making it ideal for those looking for a straightforward tool for managing short-term balances or making regular expenditures.

It doesn’t earn rewards, but it gives you a full year of interest-free financing. That makes it a solid option if you’re planning a big purchase or want to pay down existing debt.

Key Benefits:

• No rewards
• No annual fee
• 0% intro APR on purchases and balance transfers for 12 billing cycles
• Variable APR: 14.49%–21.49%

After the 12-month intro period, the ongoing APR is slightly lower than the rewards M&T Bank credit cards.

M&T Secured Credit Card

If you’re new to credit or trying to rebuild, the M&T Secured Credit Card is a smart choice. You’ll need to provide a security deposit, but otherwise, it works like any other credit card. You can use it online, in-store, and for monthly bills.

Key Benefits:

• No annual fee
• Variable APR: 21.49%
• Secured with a refundable deposit (minimum $250)
• Free access to your FICO Score
• Potential to upgrade to unsecured after six months

Over time, responsible use could help you qualify for an unsecured M&T credit card and get your deposit back.

This card also gives you quarterly access to your FICO Score, helping you track your progress.

Business M&T Bank Credit Cards

If you’re a small business owner, M&T Bank offers two business credit card options tailored to your company’s spending habits:

M&T Business Rewards Credit Card

This M&T Bank business credit card is similar to the personal Visa Signature but is designed for businesses that want to earn cash back on their spending.

• Earn 1.5% cash back on every business purchase
• Receive a $250 bonus when you spend $2,500 in the first 90 days
• No annual fee
• 0% intro APR for the first 9 billing cycles
• Ongoing APR: 17.49%–24.49%

This card is great for businesses that want to earn cash back while keeping costs low.

Business M&T Bank Credit Cards

This is the basic option for businesses that need a reliable credit card without extra costs or complications.

• No rewards, but includes a 0% intro APR for 12 billing cycles on purchases and balance transfers
• Ongoing APR: 14.49%–21.49%
• No annual fee
• Two-way fraud alerts via text for quick updates
• Free employee cards with customizable limits, so you can delegate spending without losing control
• Visa Zero Liability protection in case your card is lost or stolen

This M&T Bank credit card is ideal for businesses that need to manage cash flow or finance new purchases without interest for the first year.

Both M&T Bank business credit cards come with extra tools to help you manage employee cards, set spending limits, and keep track of expenses. Plus, you get the same fraud protection and digital wallet support found in M&T personal cards.

Commercial Credit Card Solutions for Large Businesses

M&T Bank also offers commercial credit card solutions for larger companies and corporate clients. These cards are designed to help businesses manage complex operations and high-volume spending.

Available M&T Bank Credit Cards for Large Businesses: 

• Commercial One Card
• Corporate Card
• Purchasing Card

Key Features:

• Card-level spending controls: Set customized limits by department or employee
• Integration with CentreSuite: Access real-time reporting, automate expense tracking, and simplify reconciliation
• Visa Liability Waiver: Protects your company from misuse of employee cards
• Travel Accident Insurance: Coverage for employees traveling for business
• Supplier Enablement Services: Improve vendor payment efficiency and optimize working capital

These commercial card solutions are scalable and customizable, making them a great fit for companies that need detailed oversight, advanced reporting, and cost-control tools.

M&T Bank Credit Card Rates & Fees

M&T Bank credit cards offer low fees and helpful intro rates, making them a good choice if you want flexibility without extra costs. Here’s what to expect:

APR ranges:

M&T Bank credit card fees: 

• Balance Transfer Fee: 4% of the amount transferred
• Foreign Transaction Fee: $0 on business and Signature cards
• Annual Fees: All M&T credit cards currently have no annual fee, making them cost-effective choices

These terms make M&T Bank credit cards simple to manage, with no hidden costs. If you’re looking for low fees, solid rewards, and reliable service, these cards are worth considering.

M&T Rewards Program for Credit Cards

The M&T Rewards Program is one of the highlights of M&T Bank credit cards. Here’s what you need to know:

How You Earn M&T Bank Credit Card Points:

• 1 point per $1 with the Rewards card
• 1.5 points per $1 with the Signature card

There are no limits to how many M&T Bank credit card points you can earn, and you’ll keep earning on every purchase, whether it’s gas, groceries, dining, or online shopping.

How You Can Redeem:

• Cash Back: Redeem for a statement credit or have the money deposited into your M&T checking or savings account
• Gift Cards: Choose from popular restaurants, stores, and entertainment brands
• Travel: Use your points to book flights, hotels, or vacation packages
• Pay Me Back: Apply your points directly to cover recent purchases on your card
• Events & Experiences: Get access to special events, concerts, and local attractions
• Shopping: Redeem for products and merchandise from a catalog of over 2,000 items

Best of all, your points never expire as long as your account stays open and in good standing. You can save them up or use them right away, whatever fits your style.

How to Apply for M&T Bank Credit Cards

Getting an M&T Bank credit card is quick and easy, whether you’re already a customer or just getting started with the bank. The process is designed to be convenient and can be done online, over the phone, or at a local branch.

M&T Bank Credit Card Requirements

To apply for any M&T Bank credit card, you’ll need to meet these requirements:

• Be at least 18 years old
• Be a U.S. citizen or legal resident
• Provide a valid Social Security number
• Have a steady income and a credit history (M&T will check your credit report)

If You’re Already an M&T Bank Customer

If you have an M&T checking or savings account, you can apply for a credit card right from your online banking account, in person, or via phone support:

• Online:
  1. Visit the M&T website or log in to your M&T Online Banking/mobile app
  2. Navigate to the “Apply for a Credit Card” section
  3. Choose the card you want and fill out the quick M&T Bank credit card application
• In Branch: Visit any M&T location to apply in person and get personalized help
• By Phone:
  • Personal M&T Bank credit cards: Call 1‑877‑779‑3525
  • Business M&T Bank credit cards: Call 1‑866‑236‑1219

If You’re New to M&T Bank

If you’re not yet a customer, don’t worry, you can still apply, but you may need to open a checking or savings account first. Here’s how to get started:

1. Open an M&T account online or in a branch
2. Once you have an account, you can apply for a credit card:
   • Online via the M&T website
   • By phone at 1-877-779-3525
   • In person at a nearby M&T location

Fast and Easy Approval

The online M&T Bank credit card application typically takes less than 10 minutes to complete. In many cases, you’ll receive an instant decision. If more information is needed, M&T may contact you by phone or email. Once approved, your new credit card will usually arrive by mail within 7 to 10 business days.

Digital Banking Tools and Security Features

Managing your M&T Bank credit card is easy, thanks to their powerful online tools and built-in safety features.

Here’s what you get:

• Online and Mobile Banking: Check your balance, view transactions, make payments, and redeem points anytime.
• Custom Card Design: This feature lets you personalize your card with your own photo, company logo, or select from a gallery of free images. It doesn’t affect the card’s functionality or security. And it’s available on most personal and business cards.
• Digital Wallet Support: Add your card to Apple Pay, Google Pay, or Samsung Pay for fast, secure checkout
• Real-Time Fraud Alerts: Get instant texts or notifications if something suspicious happens on your card
• Card Lock & Unlock: Temporarily turn off your card if it’s lost or stolen, then turn it back on when found
• Overdraft Protection: Connect your credit card to your M&T checking account to avoid overdraft fees
• M&T Assurance: Enjoy round-the-clock fraud detection and identity protection so that you can shop with confidence

These tools are designed to give you full control while keeping your account safe and secure.

FAQs About M&T Bank Credit Cards

Do M&T Bank credit cards have an annual fee?

• No. All current M&T credit cards have no annual fees.

How do I earn rewards with M&T Bank credit cards?

• You earn 1 to 1.5 points per $1 spent, depending on the card. Points can be redeemed for cash back, travel, gift cards, and more.

Can I apply for an M&T credit card if I’m not a customer?

• Yes. New customers can apply by phone, online, or in-branch. You may need to open a bank account first.

How do I check my M&T Bank credit card balance?

• You can check your balance anytime through M&T’s online banking, mobile app, or by calling the customer service number on the back of your card.

Does M&T Bank offer credit card pre-approval?

• M&T Bank does not currently offer an online pre-approval tool. To check your eligibility, you need to apply directly.

In conclusion, M&T Bank credit cards offer simple features, flexible rewards, and strong security, making them a solid choice for everyday spending or business needs. If you value clarity and control, M&T is a smart choice to consider. Just be sure to review the APR details before applying.