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Banking RegistryReal data. Clear answers.Data as of Oct 3, 2026
Banking RegistryReal data. Clear answers.
Manufacturers and Traders Trust CompanyM&T Visa® Credit CardRegistry illustration · issuer artwork unavailable

M&T Visa® Credit CardManufacturers and Traders Trust Company · SM bank, CT · FDIC 588

CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerCredit card · Consumer
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Purchase APR
—
Balance transfer
0% for 12 billing cycles
no ongoing rate filed
Cash advance APR
—
Annual fee
No annual fee{
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first0%Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026“0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
APR for balance transfersintroductory rate first0%Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026“0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
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 feeNo 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, 2026Website
Transaction fees
Cash advance—no source read
Balance transfer4% of the amount, 0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026“0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website
Foreign transaction—no source read
Penalty fees
Late payment—no source read
Returned payment—no source read
APR qualificationsBalance transfer · Introductory; Purchase · Introductory0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026“0% introductory APR on balance transfers and purchases for 12 billing cycles from account opening; a 4% balance transfer fee will apply. {”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026Website