The M&T Bank is a personal credit card from M&T Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable 13.74% - 20.74% after the intro period (disclosure dated 9/25/2026) after a 0% introductory APR on purchases and balance transfers for 12 billing cycles from account opening introductory rate for 12 months. This product reports activity to your personal credit report.