Credit and Habit

M&T BankSecured card

M&T Secured Credit Card

A deposit-backed card designed to provide access to a credit card while building or rebuilding credit history.

AT A GLANCE

Credit card overview

Card categories

  • Secured
  • Credit Building
  • Low interest

What you get

Rewards and benefits

  • Secured credit card with a deposit-backed credit line; confirm current fees and credit reporting with M&T.
  • Security deposit required
  • M&T may review accounts for graduation
  • Terms and eligibility are set by M&T

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileLimited, no, or rebuilding credit history

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. M&T Bank makes every lending decision.

Annual fee and first-year pricing
No annual fee

Conditions to know

  • Deposit amount, fees, and graduation criteria are governed by current M&T terms.
  • On-time payments do not guarantee a credit-score increase.
  • Confirm current terms in M&T's pricing disclosure.

Recorded from M&T Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the M&T Secured Credit Card

  1. For credit building, check the security deposit, credit-bureau reporting and upgrade or refund policies.
  2. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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