Your Business Credit Card works as hard as you do
Congratulations on taking the next step in powering your business forward. Your new Business Credit Card gives you the tools to manage expenses, earn valuable rewards, and keep your operations running smoothly—all in one place.
Ready? Let’s get you set up for smarter business spending.
Activate your card
Activate your new card today at
1-800-724-4411.
In just seconds, your card is ready to use.
Enroll in Online Banking and eStatements
With M&T Online and Mobile Banking for Business, you can log in anytime, anywhere to track your spending, make payments and more.
Already Enrolled in Online Banking?
If you're already using M&T Online and Mobile Banking for Business, you can easily add a new card to your existing account.
Set up your digital wallet
Designed with features to make checkout fast and convenient — whether you shop in store or online.
Customize your card
There’s no charge to customize your new card with a favorite photo or choose one from our online design studio{{d67*}}
Fraud protections
With the Visa Zero Liability Policy{{d803*}} and two-way text alerts, you can quickly respond to suspicious activity.{{d1352*}}
Business Education Center
Explore our education center to discover how to take on any aspect of running or growing a business.
Spotlight Shop
Are you looking to promote your work? The Spotlight Shop offers multiple ways to shine a light on your business within the community.
We're here for you.
We understand that everyone’s situation is different. Your questions and your needs change as you start and grow your business.
Top questions, answered by our experts.
Yes. You can request additional cards for employees and set individual spending limits for each.
Use M&T Online Banking or the Mobile App to view transactions, categorize expenses, and download reports for accounting.
The very first step you should take is to let us know your card is lost or stolen. To report a lost or stolen card, 24 hours a day, 7 days a week, you can:
- Immediately call the M&T Telephone Banking Center at 1-800-724-6070
- Visit your local branch
We’ll disable your old card to help prevent any further activity or usage and then issue you a new one right away. And because you bank with M&T, you won’t be liable for any fraudulent charges, thanks to our M&T Assurance® program.
Your card’s terms, including APR and due dates, are outlined in your cardholder agreement and monthly statements.
See credit card pricing information for complete Terms & Conditions associated with M&T Bank Visa® credit cards.
There is no fee to customize your card.
You can upload a digital photo or choose an image from our gallery. There are hundreds of images available in the image gallery, from colors and patterns to landscapes and destinations. Or choose from sports, animals, diversity or professional images. Customize to your interests and personality.
NOTE: The Fan Zone category is not an available gallery for M&T Credit Cards.
Business Card Digital Payment inquiries, call 1-877-334-9065
A digital wallet uses contactless payment technology from an eligible device to allow merchants to receive customer payments.
A digital wallet creates an electronic version of your M&T Card(s), assigning them a device account number or virtual account number for added protection. Once created, you can use your digital wallet at participating merchants who accept this form of payment.
Digital wallets streamline transactions, eliminating the need for physical cash or cards. This results in faster, more secure, hassle-free payments, especially useful for busy individuals.
Security is our first priority at M&T, and digital wallets use extra security measures to help keep transactions secure. Those requests include:
- Enrollment verification requests when adding your card
- Use of tokenization, where your card number is replaced with an encrypted digital token for each transaction
- Your device does not retain or save your card data
- Business Card transactions are covered by M&T Assurance®, which helps to prevent, detect and resolve fraud
- Business Card purchases are covered by Visa Zero Liability{{d803*}}, so you won’t be held liable for unauthorized transactions.
If you believe you have been a victim of fraud related to your M&T accounts, notify us immediately. Business Card customers should call 1-800-375-8097 so we can take action to help you.
