| Last updated on October 16th, 2023
M&T Business Credit Card
M&T Business Credit Card
M&T Business Credit Card
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% 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 APR: 15.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $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 Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- 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
M&T Business Credit Card Review
Running a company is tough enough without having to worry about the ins and outs of your business credit card. Fortunately, for business owners who want an easy-to-use and straightforward payment option, the M&T Business Credit Card offers hassle-free solutions for the modern business.
The M&T Business Credit Card features no annual fee and a 0% initial APR on both balance transfers and purchases for the first 12 months after opening the account. Once the introductory APR period closes, however, cardholders can still expect very competitive APRs when compared to similar business credit cards.
M&T Bank also understands that a business card needs to be versatile – that’s why the M&T Business Credit Card offers multiple convenient ways to both manage the account and pay the balance. Payments can be made online, through the M&T mobile app, in person at any branch, or any M&T ATM.
M&T Assurance® also provides comprehensive protections to ensure your card is safe and to help detect, resolve, and prevent fraud. The addition of chip technology adds another layer of security, meaning your card is safe – no matter where business takes you. Additional employee cards can be added to the account at no extra cost – and all authorized user spending limits can be monitored and managed centrally.
The M&T Business Credit Card gives cardholders the convenience of digital payment through Apple Pay®, Google Pay™, or Samsung Pay. You can also customize the card with your company’s logo or another image, meaning it becomes a unique extension of your business.
Should You Apply for the M&T Business Credit Card?
While there are many business credit cards out there that offer exciting airline rewards and cash back rewards, for those seeking a no-nonsense and basic card with a low APR, the M&T Business Credit Card is a reliable option.
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