Now get unlimited 2% cash back

Now you can earn unlimited 2% cash back your first year and 1.5% cash back after that with M&T Business Rewards Credit Card.2

Two hardworking cards.
One that's perfect for your business.

M&T Business Rewards Credit Card

M&T Business Rewards Credit Card

Earn an unlimited 2% cash back on every purchase your first year2

 

M&T Business Credit Card

M&T Business Credit Card

Save with 0% Introductory APR on purchases and balance transfers for the first 12 billing cycles.

After the first 12 billing cycles, variable APR between 10.24% and 17.24%1

  • Earn unlimited 2% cash back your first year and 1.5% cash back after that2

  • No Annual Fee1

  • 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

  • Earn unlimited 2% cash back your first year and 1.5% cash back after that2

  • No Annual Fee1

  • 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

Enjoy a 0% introductory APR on balance transfers (fee applies) and purchases for 12 billing cycles.1 After the introductory period, your variable APR will be 12.24%–19.24%.1 Also, no foreign transaction fees1.

  • Lower variable APR after introductory period1

  • No Annual Fee1

  • 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 period1

  • No Annual Fee1

  • 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

Enjoy a 0% introductory APR on balance transfers (fee applies) and purchases for 12 billing cycles.1 After the introductory period, your variable APR will be 10.24%–17.24%.1 Also, no foreign transaction fees1.

What Customers Are Saying

"The M&T Business Credit Card makes everything much more efficient and manageable. It's been very, very helpful."

"The cash back 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
top-5-sba-lender

* Based on Greenwich Associates 2020 Small Business Banking Excellence Awards.

** According to statistics released by the Small Business Administration (SBA) for total approved loans through the SBA’s 7(a) lending program during the fiscal year ending 9/30/20.

1. See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.

2. 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. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) 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. Offers and Rewards points are subject to change and/or discontinuation without notice.

3. 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.

4. 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 for Business. View the M&T Digital Services Agreement for additional details.

5. Use of the M&T Custom Card design service is subject to the program Terms and Conditions and Image Guidelines.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.

Equal Housing LenderEqual Housing Lender. ©2021 M&T Bank. Member FDIC. All rights reserved. Privacy Policy