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M&T Business Rewards Credit Card card

M&T Business Rewards 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
    Apply Now for M&T Business Rewards Credit Card (opens in a new tab)Compare this card
    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 Rewards Credit Card from M&T Bank provides companies with the ability to earn rewards on all purchases while including no annual fees and no foreign transaction fees. It also features a 0% introductory APR for 12 months and a highly competitive APR after that. New members can earn 10,000 bonus points with purchases of $500 in the first 3 months.

    Card features

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

    • Earn 10,000 bonus points after making $500 in purchases during first 90 days
    • No annual fee
    • Add employee cards at no additional cost, plus the ability to manage spend limits for all users
    • 0% intro APR on transactions and balance transfers for the first 12 months

    Who this card may suit

    • You're looking to earn unlimited 1.5% cash back on all your business purchases
    • You want a business card with no annual fee and no foreign transaction fees
    • You want a business card with 0% introductory APR for 12 months
    • You enjoy the convenience of multiple balance payment options and online and mobile account management

    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 APR17.24% or 24.24% variable based on creditworthiness and the Prime Rate
    Intro Balance Transfer APR0% for 12 months from account opening date
    Balance Transfer APR17.24% or 24.24% 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 APR27.24% varies based on the Prime Rate
    Cash Advance Transaction FeeEither $10 or 3% of the amount of each cash advance, whichever is greater
    Penalty APR24.99% 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.

    Apply Now for M&T Business Rewards Credit Card (opens in a new tab)View issuer terms for M&T Business Rewards Credit Card (opens in a new tab)

    M&T Business Rewards Credit Card

    Apply Now for M&T Business Rewards Credit Card (opens in a new tab)

    You will leave this site for the issuer’s page. Confirm current terms there.

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