How to apply for a credit card at M&T Bank?

9/16/2023

For several compelling reasons, having installment and recurring financing can give a significant boost to your plans. For this reason, we want to answer the questions: How to apply for a credit card at M&T Bank and what are the requirements?

Requirements to apply for a credit card at M&T Bank.

It is well known that each financial institution applies some filters to grant credit instruments. This is done to prevent people from getting into debt and to assume less risk.

M&T Visa Classic credit card

APR: 18.24%
Annuity: $ 0
Credit limit: Ask

More info

Among the requirements that M&T Bank asks for credit cards, you probably already know most of them:

Age of majority.
Personal and contact information.
Financial and credit information (file and score).
Employment and immigration status (citizen, resident or non-resident).
Digitized documents such as a valid ID, pay stubs, among others.
Have a checking account with M&T Bank.

Credit cards offered by M&T Bank

Before moving on to the online application process, we would like to show you the credit cards available on this financial institution's website. Although their catalog includes 2 options for business owners, individuals have 3 regular alternatives and one secured card:

M&T Visa

We can describe it as an introductory plastic because it lacks some common benefits that you find in the best rated products. This no-annuity credit card does not give you rewards, has no welcome bonus and no foreign transaction fee.

In addition to the above, it includes the following:

Personalized design at no additional cost.
Interest rate of 18.24%-22.24% APR.
Easy membership to your digital wallet to pay with greater security.
M&T Assurance service for fraud prevention, detection and resolution.
0% introductory APR for a 12-month term for purchases and balance transfers (first 60 days).

M&T Visa Signature

If you prefer rewards, this credit card allows you to earn points by shopping and paying. Along with the M&T Assurance service described above, it has other notable features:

No annuity.
1.5% cashback on every dollar you spend.
iPhone-compatible setup so you can use Apple Pay.
Signature benefits: travel accident insurance, concierge and more.
Redeem points for cash, gift cards, merchandise, travel, among other rewards.
10,000 point bonus (equivalent to $100) when you spend $500 within the first 3 months of opening your account.
0% introductory APR for a 12-month period that can be used for purchases or balance transfers (first 60 days).

M&T Visa Rewards

This rewards plastic is not very different from the previous one. In addition to having no annuity, it is distinguished by what it offers:

1 point for every dollar of consumption and no limitations.
APR from 19.24% to 23.24% (after the grace period).
Siganture benefits: concierge, travel accident insurance and more.
M&T Assurance service for fraud prevention, detection and resolution.
Exchange points for merchandise, cash, gift cards, travel, among other rewards.
iOS and Android compatible configuration so you can use Apple, Google and Samsung Pay.
Bonus of 10,000 points (equivalent to $100) when you spend $500 within the first 3 months after opening the account.
0% intro APR for a period of 12 months that you can use for balance transfers (first 60 days) or purchases.