Bank · FDIC insured
M&T Bank Credit Card Rates
M&T Bank credit cards start at 13.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How M&T Bank’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where M&T Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
M&T Bank
13.74%APR
- Up to
- 20.74% APR
M&T Visa Credit Card
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
M&T Bank credit card score
65
Credit card score
Higher than 13% of U.S. banks and credit unions
- Purchase APRPurchase APR13.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where M&T Bank ranks
By credit card score, in each area where it has branches
- #49 of 69New York-Newark-Jersey City, NY-NJ metro152
- #16 of 24Baltimore-Columbia-Towson, MD metro84
- #53 of 69Washington-Arlington-Alexandria, DC-VA-MD-WV metro65
- #33 of 37Boston-Cambridge-Newton, MA-NH metro51
- #28 of 32Buffalo-Cheektowaga, NY metro48
- #16 of 22Hartford-West Hartford-East Hartford, CT metro38
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
M&T Secured Credit Card
Secured by M&T deposit in an amount equal to credit limit (greater than or equal to $250) deposited in an M&T savings account prior to application.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.74% | None | Variable APR. |
| Ongoing | 20.74% | None | Variable APR (SCC version). |
Sources (3)
- mtb.com/personal/credit-cards
- mtb.com/personal/credit-cards/…d-faqs/secured-card-faqs
- mtb.com/personal/credit-cards/secured-card
All captured Oct 7, 2026
M&T Visa Credit Card
4% balance transfer fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR on balance transfers for 12 billing cycles from account opening; a 4% balance transfer fee will apply. |
| Ongoing | 13.74%–20.74% | None | Variable APR (NOR version). |
Sources (2)
All captured Oct 7, 2026
M&T Visa Credit Card with Rewards
4% balance transfer fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% introductory APR on balance transfers for 9 billing cycles from account opening; a 4% balance transfer fee will apply. |
| Ongoing | 15.74%–22.74% | None | Variable APR thereafter. |
| Ongoing | 14.74%–21.74% | None | Variable APR (REW version). |
Sources (2)
All captured Oct 7, 2026
M&T Visa Signature Credit Card
No foreign transaction fees. 4% balance transfer fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% intro APR on purchases and balance transfers for 9 billing cycles from account opening; 4% balance transfer fee applies. |
| Ongoing | 17.74%–24.74% | None | Variable APR after introductory period. |
Sources (3)
- mtb.com/personal/credit-cards
- mtb.com/personal/credit-cards/signature-card
- mtb.com/personal/credit-cards/…gnature-card-disclosures
All captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.