M&T Bank : Visa Business Credit Cards
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Visa Business Credit Cards

Open a small business credit card today

At M&T, we understand the importance of convenience when you want to keep your personal credit card expenses separate from your business credit card. That’s why we offer multiple Visa® business credit cards1 to help you maximize efficiency when running a business.

Visa Business Credit Card Benefits

  • 24/7 ATM and telephone access to your business accounts
  • Streamlined record keeping
  • Make Visa purchases worldwide
  • Visa Zero Liability protection4
  • Shop online safely with Verified by Visa
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For more information:
Call 1-866-281-9441

M&T Bank Visa Business Bonus Rewards PLUS Card
When your business demands frequent purchases, use the M&T Visa Business Bonus Rewards PLUS credit card to work harder for you. With a low annual fee of $50.00, you will earn one reward point2 for every dollar spent, plus a 50% monthly reward bonus on all points earned and 5,000 in Visa Rewards points with your first purchase.

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M&T Bank Visa Business Bonus Rewards Card
The M&T Visa Business Bonus Rewards credit card is tailored to your changing business needs. With no annual membership fee, you will earn one reward point2 for every dollar spent, plus a 25% monthly reward bonus on all points earned and 2,500 Visa Rewards points with your first purchase. 

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M&T Bank Visa Business Card
Manage your time and finances with the convenience of a Visa credit card. The M&T Visa Business Card will help you pay down your balances with a low introductory APR of 0% for 12 months3 on purchases and balance transfers as well as no annual fee and online reporting.

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M&T Visa Company Card
The Visa Signature Business Company Card is specifically reserved for established companies just like yours, delivering cost-saving efficiencies and bottom-line benefits.  With no annual fee and no personal guarantee needed, cardmembers enjoy exclusive benefits like a dedicated account manager and a rewards program2.

M&T Visa CommUNITY Card
Give your non-profit or municipality the opportunity to get something more.  The Visa CommUNITY Card is designed for non-profits and municipalities seeking an easier way to manage cash flow and expenses, with no annual fee.  Enhanced reporting helps document expenses, track purchases, revel spending patterns, and save time on accounting procedures.

Find a branch or call us toll free at 1-800-281-9441 to learn more.


1 All credit cards are subject to receipt of a complete application, credit approval and certain limitations. Additional conditions may apply. All card product features, benefits and pricing , including promotional rates and Visa rewards, are offered by Elan Financial Services (“Elan”) and are subject to change at any time without notice. Please review complete terms and conditions and other material provided at the time of application.

2 The Elan Rewards Program is subject to change.  Points earned on net purchases (purchases minus credits and returns.)  Points expire five years from the end of the quarter in which they are earned.

3 The 0% introductory Annual Percentage Rate (“APR”) offer expires 12 billing cycles from the date of account opening, unless otherwise terminated in accordance with the account terms. Subsequently, the applicable interest rate will be determined by contract terms. The introductory rate does not apply to cash advances.  A balance transfer fee of 3% of each transfer amount ($5 minimum) applies.  We apply payments to balances with lower APRs, including introductory APRs, before balances with higher APRs.  We may change APRs, fees and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law
4 Covers U.S. issued cards only. Visa’s Zero Liability Policy does not apply to certain commercial card transactions, ATM transactions, PIN or other transactions not processed by Visa, or if you are grossly negligent or fraudulent in handing your card  or card number.  Notify M&T Bank immediately of any fraudulent use. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details

Visa is a registered trademark of Visa International Service Association.

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.

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