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.
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
Earn an unlimited 1.5% cash back on every purchase.
Save with 0% introductory APR on purchases for 9 billing cycles. After the first 9 billing cycles, variable APR between 17.49 and 24.49%.
See Rates & Fees Table Below
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$250 Bonus for spending $2,500 in the first 90 days of account opening
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The 25,000 Bonus Rewards Points have a value of $250 and the points can be redeemed as a statement credit to your M&T Business Credit Card account, cash into your M&T business checking account or other reward options. Offers and Rewards points received are subject to change and/or discontinuation without notice. -
Earn unlimited 1.5% cash back on all purchases
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The 25,000 Bonus Rewards Points have a value of $250 and the points can be redeemed as a statement credit to your M&T Business Credit Card account, cash into your M&T business checking account or other reward options. Offers and Rewards points received are subject to change and/or discontinuation without notice. -
No Annual Fee and No Foreign Transaction Fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. -
Add employee cards at no additional cost and manage
spend limits -
Chip technology for global acceptance
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M&T Assurance® for fraud prevention, detection and resolution
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Visa Zero Liability fraud protection
The Visa Zero Liability Policy covers U.S. issued cards only. Visa Zero Liability policy does not apply to ATM transactions or PIN transactions not processed at Visa. May not apply in other situations based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use and transaction at issue must be posted to your account before provisional credit may be issued. See your credit card agreement for more details. Visa® is a registered trademark of Visa International Service Association. -
Make payments, transfer funds, or review account details online, on the M&T Mobile App, at any M&T Bank ATM or at any local M&T branch
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details. -
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
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
-
$250 Bonus for spending $2,500 in the first 90 days of account opening
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The 25,000 Bonus Rewards Points have a value of $250 and the points can be redeemed as a statement credit to your M&T Business Credit Card account, cash into your M&T business checking account or other reward options. Offers and Rewards points received are subject to change and/or discontinuation without notice. -
Earn unlimited 1.5% cash back on all purchases
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The 25,000 Bonus Rewards Points have a value of $250 and the points can be redeemed as a statement credit to your M&T Business Credit Card account, cash into your M&T business checking account or other reward options. Offers and Rewards points received are subject to change and/or discontinuation without notice. -
No Annual Fee and No Foreign Transaction Fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. -
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
The Visa Zero Liability Policy covers U.S. issued cards only. Visa Zero Liability policy does not apply to ATM transactions or PIN transactions not processed at Visa. May not apply in other situations based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use and transaction at issue must be posted to your account before provisional credit may be issued. See your credit card agreement for more details. Visa® is a registered trademark of Visa International Service Association. -
Make payments, transfer funds, or review account details online, on the M&T Mobile App, at any M&T Bank ATM or at any local M&T branch
Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details. -
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
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines.
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 14.49 and 21.49%.
See Rates & Fees Table Below
-
Lower variable APR after introductory period
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. -
No Annual Fee and No Foreign Transaction Fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. -
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 protection3
-
Make payments, transfer funds, or review account details online, on the M&T Mobile App4, 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 design5
-
Lower variable APR after introductory period
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. -
No Annual Fee and No Foreign Transaction Fee
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards. -
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 protection3
-
Make payments, transfer funds, or review account details online, on the M&T Mobile App4, 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 design5
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.
"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."
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 14.49 and 21.49% 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 17.49 and 24.49% based on your creditworthiness and will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 28.49%. This APR will vary with the market based on the Prime Rate. |
| APR for Overdraft Advances | 28.49%. 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 (2/01/2025). This information may have changed after that date. To find out what may have changed, call us at 1-866-279-0888.
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