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 earn valuable rewards and 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 protection3
  • Shop online safely with Verified by Visa
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M&T Bank Visa Business Bonus Rewards PLUS Card
Watch your rewards add up even faster with one point2 for every dollar you spend on eligible net purchases, and receive even more automatic bonus points each month, plus get $50 cash back2 after your first purchase -- all with a low annual fee.

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M&T Bank Visa Business Bonus Rewards Card
Watch your rewards add up fast with one point for every dollar you spend on eligible net purchases, and receive automatic bonus points each month, plus get $25 cash back2 after your first purchase. 

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M&T Bank Visa Business Cash Card
Earn cash back2 every time you use your card: 3% on office supply store net purchases and phone/internet services, 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases, plus get $25 back after your first purchase. 

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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 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.  Enhanced reporting helps document expenses, track purchases, revel spending patterns, and save time on accounting procedures.

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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.) Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Points expire five years from the end of the quarter in which they are earned.

3 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

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc. MasterCard International Incorporated, and American Express.  MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express .

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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