Manufacturers and Traders Trust CompanyM&T Secured Credit CardRegistry illustration · issuer artwork unavailable
M&T Secured Credit CardManufacturers and Traders Trust Company · SM bank, CT · FDIC 588
CurrentLast observed Oct 3, 2026Official issuerCredit card · Consumer
Purchase APR
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Balance transfer
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Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual fee{Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “No annual fee{”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Opening conditions | Your Security Deposit must be made in an M&T savings account prior to application. You may close your M&T Secured Credit Card account and have the pledged Security Deposit amount applied to cover the outstanding balance at any time. Please note that if the funds held as security do not satisfy the entire outstanding balance, you will still owe any balance that remains after the funds have been applied to your account. If the funds currently held as security are greater than your outstanding balance, we will release those funds so that they are available for use in your savings account.Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Your Security Deposit must be made in an M&T savings account prior to application. You may close your M&T Secured Credit Card account and have the pledged Security Deposit amount applied to cover the outstanding balance at any time. Please note that if the funds held as security do not satisfy the entire outstanding balance, you will still owe any balance that remains after the funds have been ap…”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Opening conditions | Secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250){Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “Secured by your M&T deposit in an amount equal to your credit limit (greater than or equal to $250){”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |