M&T Bank Credit Cards

M&T Bank is a leading bank and credit card issuer in Buffalo, NY that offers credit cards for everyday use. Browse credit cards below.

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M&T Business Credit Card

M&T Business Credit Card
  • Regular Purchase APR 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • No foreign transaction fees
  • Global acceptance and chip technology for added security
  • Additional cards for employees at no added cost
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 24.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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M&T Business Rewards Credit Card

M&T Business Rewards Credit Card
  • Regular Purchase APR 12.24% and 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% and 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 10,000 bonus points after making $500 in purchases during first 90 days
  • No annual fee
  • Add employee cards at no additional cost, plus the ability to manage spend limits for all users
  • 0% intro APR on transactions and balance transfers for the first 12 months
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 12.24% and 19.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 12.24% and 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 24.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

M&T Visa Credit Card

M&T Visa Credit Card
  • Regular Purchase APR 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • Ability to pay with Apple Pay®, Google Pay™ or Samsung Pay
  • Low APR after 0% introductory period ends
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 10.24% and 17.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 24.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

M&T Visa Credit Card with Rewards

M&T Visa Credit Card with Rewards
  • Regular Purchase APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% varies based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • 0% introductory APR on balance transfers and purchases for 12 months
  • No annual fee
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days
  • Low APR after introductory period
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% varies based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 24.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

M&T Visa Signature Credit Card

M&T Visa Signature Credit Card
  • Regular Purchase APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Unlimited 1.5% cash back on every purchase
  • 0% introductory APR on balance transfers and purchases for 12 months
  • No annual fee, No foreign transaction fees
  • 10,000 bonus points after $500 in purchases the first 90 days
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 24.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
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Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
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Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
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Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
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Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
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Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
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Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
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$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
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Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
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Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
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Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

About M&T Bank

M&T Bank is a Buffalo, NY-based financial institution that primarily serves the Mid-Atlantic region of the United States. Beyond New York, the bank also serves customers in Connecticut, New Jersey, Pennsylvania, Maryland, Delaware, Washington, DC, Virginia, and West Virginia.

The bank provides a full suite of banking products and services, including credit cards for a variety of preferences, credit scores, and purposes. This includes a secured credit card for rebuilding or establishing credit. M&T Bank also provides business credit cards, with two options to pick from.

What Credit Score Does M&T Pull?

M&T Bank uses the FICO Score to judge an applicant’s creditworthiness. The bank also provides cardholders with access to their FICO score, though this feature is available from most credit card issuers.

M&T Bank Rewards

Like other banks, M&T credit cards feature a basic rewards program. Points with M&T rewards credit cards apply to several redemption options, which include:

  • Cash back
  • Gift cards
  • Merchandise
  • Statement credits
  • Travel

M&T points expire after five years. Points are void if the cardholder’s account is in bad standing or if they close their account.

The value of M&T rewards points varies depending on the redemption method, with travel offering better value than merchandise or gift cards. Certain M&T Bank credit cards require a minimum amount of points before redeeming for particular rewards. Redeeming points for airfare, for instance, requires at least 25,000 points.

FAQs About M&T Bank

Here are answers to some commonly asked questions and M&T, as well as M&T credit cards:

What’s the routing number for M&T Bank?

The routing number for M&T is 022000046.

What does M&T stand for?

M&T stands for Manufacturers and Traders Trust Company, the original name for the bank in Buffalo, NY.

Does M&T have a mobile app?

Yes, the bank offers a mobile banking app in both the Apple App Store and the Google Play Store.