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M&T Business Credit Card card

M&T Business Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
0% for 12 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The M&T Business Credit Card provides an uncomplicated way to make everyday purchases without the fear of a high APR. The card features no annual fee and an introductory 0% APR on purchases and balance transfers for the first 12 months, followed by a competitive APR after that.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • No foreign transaction fees
  • Global acceptance and chip technology for added security
  • Additional cards for employees at no added cost

Who this card may suit

  • You're Interested in a straightforward and hassle-free business card
  • You enjoy the convenience online, and mobile account management provides
  • You enjoy the convenience online, and mobile account management provides
  • You want a business card with no annual fee and no foreign transaction fees

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 12 months from account opening date
Regular Purchase APR15.24% to 22.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 12 months from account opening date
Balance Transfer APR15.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 27.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 4% of the amount of each transfer, whichever is greater
Penalty APR: 24.99% variable based on the Prime Rate
Late Payment Penalty FeeUp to $35
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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M&T Business Credit Card

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Annual fee
$95
Recommended credit
Excellent / Good
Purchase APR
20.74% to 25.74% Variable
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