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M&T Business Credit Cards

Giving our business customers
the credit they deserve.

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Explore Our Most Recent
awards and recognitions.

National Award Winner*

Top 10 Lender**

Compare M&T Business Credit Cards

Find the card that best matches your business needs:

M&T Business Credit Card:

  • 0% introductory APR on balance transfers and purchases for 12 billing cycles1
  • After that, your APR will be between 11.99% - 18.99%
  • A balance transfer fee will apply1
  • No annual fee1

M&T Business Rewards Credit Card:

  • Unlimited 1.5% cash back on every purchase2
  • Earn 10,000 bonus points after making $500 in purchases during first 3 months2
  • 0% introductory APR on balance transfers and purchases for 12 billing cycles1
  • After that, your APR will be between 13.99% - 20.99%
  • A balance transfer fee will apply1
  • No annual fee1

No matter which card you choose, you'll also enjoy these great features:

  • Zero liability fraud protection3
  • Employee cards at no additional cost, plus the ability to manage spend limits for users
  • The convenience of Branch, Telephone Banking, Online and Mobile Banking4, or ATM Servicing

Let us give you the credit you deserve.

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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 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.

4Use 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.

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.

* 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 Administration (SBA) for total approved loans through the SBA's 7(a) lending program during the fiscal year ending 9/30/17

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