M&T Credit Cards


Updated: September 28, 2018


M&T bank online logo

M&T Bank does not tend to be one of the largest banks in the United States, but it has a pretty decent selection of credit cards. This article aims to review these M&T credit cards in detail, discovering all their features and stressing their disadvantages as well. At the end of the articles, you will find useful guides on how to apply for one of these credit cards or how to use them online.

Best Credit Cards from M&T Bank

At the moment, M&T Bank has only three credit cards on offer. Basically, these credit cards differ mostly by two parameters: the required credit score and the number/presence of perks. One should point out, however, that all the credit cards have a pretty moderate APR, which is definitely an advantage.

M&T Visa Signature Credit Card

M&T Visa Signature Credit Card

Annual fee: $0.

Purchase APR: from 12.99% to 19.99%.

Recommended credit score: from 700 to 850.

Most suitable for: customers with varied spending.

Credit card features:

Apply Here

 

This is a top-tier credit card from M&T Bank that is definitely worth your attention. There are basically no tough conditions for applying for this credit card (except of a high credit score) and enjoying from its generous rewards. But in this review, we will look into what are the benefits of this credit card that it can offer.

First of all, one must point out that this credit card is an ideal choice for customers with varied spending. M&T Visa Signature Credit Card offers a 1.5% cash back rewards rate on all purchases you make with this credit card. That means that this credit card can be a decent competitor to, for example, Chase Freedom Unlimited. The card also comes with a generous welcome bonus of $100 (which is, however lower, than $150 offered by Chase Freedom Unlimited) that you will earn after spending $500 in the first 90 days.

Among other benefits and perks of this credit card, one should definitely mention that it doesn’t have a typical 3% foreign transaction fee. This allows the cardholders to use it abroad freely and conveniently. Apart from it, there are also other extra features that allow you to enjoy the use of this credit card abroad. For instance, you can benefit from such features like travel protection and complimentary concierge service.

Yet, there are a few things to keep in mind before getting too excited about the cash back rewards that this card offers. First and foremost, you can redeem the rewards there are worth at least $25. Secondly, you should always bear in mind that the rewards expire after 48 months. But in either case, this is an M&T Bank credit card that offers a decent cash back rewards rate, which appears to be roughly the average on the market – and one may definitely consider applying for this credit card.


M&T Visa Credit Card with Rewards

M&T Visa Credit Card with Rewards

Annual fee: $0.

Purchase APR: from 12.99% to 19.99%.

Recommended credit score: from 650 to 850.

Most suitable for: customers with varied spending who don’t have a high credit score.

Credit card features:

Apply Here

 

The M&T Visa Credit Card with Rewards is a weaker version of the Visa Signature credit card. Even though the requirements for obtaining this credit card are not as tough as for the previous credit card, the rewards tend to be rather anemic. But one or another, this M&T Bank credit card may be a solid choice for the customers who want to enjoy certain benefits but whose credit score is not as high yet. But let’s dive deeper into the details.

To begin with, it is worth to mention that, just in a same way like the previous credit card, M&T Visa Credit Card with Rewards offers a welcome bonus of 10,000 points if you manage to spend $500 within the first 3 months. Those 10,000 bonus points can be redeemed towards $100 in cash, travel, merchandise, or dining. You will also enjoy a 1% (1 point for every $1 spent) cash back rewards rate on all purchases you make, which is rather a lower than the market average rewards rate. Indeed, that is worse than what M&T Visa Signature or Chase Freedom Unlimited offer, but good enough for customers who have a low credit score for now and can’t apply for better cards.

Same as with M&T Visa Signature, the rewards that are worth at least $25 can be redeemed. Likewise, the rewards on this credit card expire after 48 months. Unfortunately, this credit card doesn’t have extra features and perks like travel protection or concierge services. But it is fairly good that this credit card retained the 0% intro APR period during the first 12 months, which you can enjoy. This will definitely help you to pay off your outstanding debt and improve your credit score.

All in all, the M&T Visa Credit Card with Rewards is a solid credit card for those customers who cannot apply for top-tier credit cards at the moment. It has all what is needed: a 0% intro APR period, lower credit score requirements, and cash back rewards along with a welcome bonus. After all, it is not that bad option until you cannot apply for another better.


M&T Visa Credit Card

M&T Visa Credit Card

Annual fee: $0.

Purchase APR: from 11.99% to 18.99%.

Recommended credit score: from 625 to 850.

Most suitable for: customers who have a low credit score and are struggling to get credit cards with rewards.

Credit card features:

Apply Here

 

This is the most primitive credit card from M&T Bank, which, indeed, cannot be compared with the previous options. Unlike the previous M&T credit cards, M&T Visa Credit Card is tailored for individuals who don’t have a high credit score and cannot apply for credit cards with rewards. However, a credit card is needed in order to improve one’s credit score, and this card may be quite helpful in that.

One of the few features that this credit card has is a 0% intro APR period on purchases and balance transfers during the first 12 months. Thus, if you have an outstanding debt that you want to pay off, you can apply for this credit card and transfer your balance to it. Yet, you will have to pay a balance transfer fee of either $10 or 4% (whichever is greater). And if 12 months are not enough for you to pay off your debt, you may consider applying, for instance, for Wells Fargo Platinum, which has a 18-month long intro period.

Overall, you should compare this credit card with the other cards you can afford, given your credit score. Apply for this card only if it is the best you can get on the market. After all, it comes with a $0 annual fee, so you don’t have to worry about having another credit card.


How to Log In To M&T Credit Card Account

If you have already got a credit card from M&T Bank, you can take advantage of the bank’s online banking system. You can learn how to enroll in the online banking system of this bank here. After that, you will have an ability to access your credit card account anytime without stepping out of your home. Right on the bank’s website, you will be able to make transactions, pay bills, download credit card statements, and do a number of other things.

This is how you can access your credit card account with M&T Bank online:

  • The first thing you have to do is to launch a new tab in your browser and go to the following website: mtb.com.

Best M&T Credit Cards

  • On the website of the M&T Bank, you will get to see the light-green “Log In” button, placed at the top. You should click on that button.

How to log in to M&T credit card account online

  • Following it, you will notice a dropdown online banking form – you should type the credentials of your account there.
  • At first, type the username of your online banking account in the first field.

best credit cards from M&T Bank

  • Following it, enter the password of your account in the second field of that online banking form.
  • Eventually, you have to click on the “Log In” button and access your credit card online.

How to Apply for an M&T Credit Card Online

If you don’t have an M&T credit card yet, you can easily apply for it. After you have chosen a credit card you want, you can apply for it by visiting the closest branch of M&T Bank. But if you want to save your time, you can apply for an M&T credit card online – right on the bank’s website. This process doesn’t require a lot of time and doesn’t tend to be difficult, but you should already have an online banking account with this bank for that.

You are able to apply for a credit card from M&T Bank right on the bank’s website:

  • In the first place, you should launch a new tab in the browser and access the following webpage: mtb.com.

Top-tier M&T Bank credit cards

  • In the middle of the website’s main page, you will get to see a number of products from the M&T Bank – you should click on the “Credit Cards” option.
  • Right after that, you will get to see a comparative table with 3 credit cards that we had just reviewed above. At that point, you should just click on the name of a credit card you want to apply for.

how to apply for a M&T credit card online

  • On the next page, you will get to see such tabs of the selected credit card: top features, rates & fees, is this product right for you?, and how to apply. You need to tap on the “+” button next to the “How to Apply” tab.

how to get a credit card from M&T Bank

  • There, you will see three ways how you can apply for the credit card: by visiting a branch, through the phone (you can call and order a credit card), or on the online banking page. If you already have an online banking account with M&T Bank, just click on the link there and follow the next instructions. You will be able to apply for a new credit card in a matter of 10-15 minutes.

M&T credit card application online

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