Now get unlimited 1.5% cash back PLUS a $250 cash bonus
When you open an M&T Business Rewards Credit Card with qualifying activities.{{d782*}}
Two hardworking cards.
One that's perfect for your business.
M&T Business Rewards Credit Card
$250 Bonus for spending $2,500 in the first 90 days of account opening{{d782*}}
Earn an unlimited 1.5% cash back on every purchase.{{d782*}}
Save with 0% introductory APR on purchases for 9 billing cycles. After the first 9 billing cycles, variable APR between 16.74 and 23.74%.{{d915*}}
- $250 Bonus for spending $2,500 in the first 90 days of account opening{{d782*}}
- Earn unlimited 1.5% cash back on all purchases{{d782*}}
- No Annual Fee and No Foreign Transaction Fee{{d915*}}
- Add employee cards at no additional cost and manage
spend limits - Chip technology for global acceptance
- M&T Assurance® for fraud prevention, detection and resolution
- Visa Zero Liability fraud protection{{d803*}}
- Make payments, transfer funds, or review account details online, on the M&T Mobile App{{d478*}}, at any M&T Bank ATM or at any local M&T branch
- Conveniently pay for purchases with Apple Pay®, Google Pay™ or Samsung Pay at millions of stores around the world
- Customize your card with your logo or other custom design{{d67*}}
M&T Business Credit Card
Save with 0% introductory APR on balance transfers and purchases for 12 billing cycles. Balance transfer fee will apply.
After the first 12 billing cycles, variable APR between 13.74 and 20.74%. {{d915*}}
- Lower variable APR after introductory period{{d915*}}
- No Annual Fee and No Foreign Transaction Fee{{d915*}}
- Add employee cards at no additional cost and manage
spend limits - Chip technology for global acceptance
- M&T Assurance® for fraud prevention, detection and resolution
- Visa Zero Liability fraud protection{{d803*}}
- Make payments, transfer funds, or review account details online, on the M&T Mobile App{{d478*}}, at any M&T Bank ATM or at any local M&T branch
- Conveniently pay for purchases with Apple Pay®, Google Pay™ or Samsung Pay at millions of stores around the world.
- Customize your card with your logo or other custom design{{d67*}}
Meet a Business Banking Specialist near you
Call Us
Our team is always available to help you better understand your options.
Find a Branch
Come in any time to speak with one of our bankers about your lending needs.
Meet with Us
Book a time to meet in-person, video chat or talk on the phone, on your schedule.
What Customers Are Saying
"The M&T Business Rewards Credit Card makes everything much more efficient and manageable. It's been very, very helpful."
"The cash back rewards is a great way to pay down our credit card balance. It can also help in funding other activities and purchases."
Shannon Hillman
School Leader
Rates & Fees
| Annual Percentage Rate (APR) for Purchases | M&T Business Credit Card Accounts: |
| APR for Balance Transfers | M&T Business Credit Card Accounts: 0.00% Introductory APR for the first 12 billing cycles from account opening. After that, your APR will be between 13.74 and 20.74% based on your creditworthiness and will vary with the market based on the Prime Rate. M&T Business Rewards Credit Card Accounts: Your APR will be between 16.74 and 23.74% based on your creditworthiness and will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 27.74%. This APR will vary with the market based on the Prime Rate. |
| APR for Overdraft Advances | 27.74%. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | 29.99%. This APR may be applied to your account if your account is past due 60 days. How Long Will the Penalty APR Apply? If your APRs are increased, the Penalty APR will apply until you make 6 consecutive minimum payments when due. |
| How to Avoid Paying Interest on purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance by the due date each month. We will begin charging interest on balance transfers, cash advances and overdraft advances on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Annual Fee | None |
| Transaction Fees Balance Transfer Cash Advance Overdraft Transfer Foreign Transaction Fee |
4% of each balance transfer (minimum $10) 3% of each transaction (minimum $10) $8.00 for each transaction, but charged no more than once per day None |
| Penalty Fees Late Payment Unpaid Convenience Checks Returned Payment |
up to $35 up to $25 up to $25 |
The information about the costs of the Card and Account described herein is accurate as of (2/1/2026). This information may have changed after that date. To find out what may have changed, call us at 1-866-279-0888.
