M&T Business Credit Card Agreement (PDF)
1See credit card pricing information for complete Terms & Conditions associated with M&T
Bank Visa® credit cards.
2The 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 www.rewards.mtb.com. Only M&T Business Rewards Credit
Cards issued to residents of the United States and in good standing may be eligible to participate
in M&T Rewards. We reserve the right to determine, in our sole discretion, whether a particular M&T
Card or cardholder is eligible to participate in the Program. If you are a new M&T Business Rewards
Credit Card customer and a resident of the United States, you will receive one (1) 10,000 bonus
points award offer per Program Account (as defined in the Program Terms & Conditions) if you open
and use that Card to make at least $500 in Purchases (as defined in the Program Terms & Conditions)
within the first three months after such Card is opened. Additional exclusions and terms apply. M&T
Business Rewards Credit Cards will receive one and a half (1.5) rewards points for every $1 spent on
every Purchase (as defined in the Program Terms and Conditions). Offers and Rewards points subject
to change and/or discontinuation without notice.
3The 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
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
of Visa International Service Association.
4Use of these features and services requires Internet and/or data access through a
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
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
Agreement for additional details.
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
* Greenwich Associates Awards are based off of the survey for the 2017 Greenwich Excellence Awards
in Small Business Banking
** The SBA Top 10 National Lender is based on statistics released by the Small Business
(SBA) for total approved loans through the SBA's 7(a) lending program during the fiscal year ending
Equal Housing Lender. ©2018 M&T Bank. Member FDIC.
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