M&T Business Credit Card

Learn how you can save money with a competitive APR, when you make purchases with your M&T Business Credit Card.

Get the credit your business deserves

No Annual Fee

No annual fee or foreign transaction fees.

See ​pricing information (PDF)​ for complete Terms and Conditions associated with M&T Bank Visa® Business credit card.
See ​pricing information (PDF)​ for complete Terms and Conditions associated with M&T Bank Visa® Business credit card.

Introductory APR

0% introductory APR on balance transfers and purchases for 12 billing cycles. A balance transfer fee will apply. Variable APR of 10.24% - 17.24% after intro period.

See ​pricing information (PDF)​ for complete Terms and Conditions associated with M&T Bank Visa® Business credit card.
See ​pricing information (PDF)​ for complete Terms and Conditions associated with M&T Bank Visa® Business credit card.

Fraud Protection

Protection with Visa Zero Liability Policy and two - way text alerts allowing you to quickly respond to suspicious activity. 

 The 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.
M&T Bank Alerts are available for your M&T Card through M&T Online Banking (not available for Business Debit Cards). Suspicious activity alerts notify customers of certain potentially fraudulent activity on their M&T Card. Alerts are designed to be a helpful account management tool, but they do not identify all potential fraudulent activity and are not a substitute for security and fraud precautions including, but not limited to, verifying statements and being aware of your outstanding payments and available balance. For your protection, “suspicious activity” and “card PIN change” email alerts cannot be disabled. M&T Bank is not liable for any losses customers may incur due to an alert not being delivered. Your mobile carrier's text messaging and data charges may apply. 

Add Employee Cards

Add employee cards at no additional cost and manage spend limits.

Convenience

Make payments, transfer funds, or review account details online with M&T Online Banking for Business, on the M&T Mobile App, at any M&T Bank ATM or at any local M&T branch

​Use 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.

Features with every M&T Business Banking Card

M&T Assurance®

With M&T Assurance, you can use your M&T Credit or Debit Card with confidence. We're working around the clock to help prevent, detect and resolve card fraud. 

Chip Technology

Your security is one of our top priorities. That's why M&T Debit and Credit Cards feature the enhanced security or chip technology, as well as contactless technology.

Digital Wallet

Easily pay for purchases at millions of stores around the world when you add your Credit Card to your Digital Wallet

Visa will process transactions similar to how they process your physical card transactions today except rather than receiving your actual card number, merchants will receive the unique virtual card number associated with your M&T credit, debit or Commercial card. M&T Commerical Cards are not eligible for use with Fitbit Pay or Garmin Pay.

card customization

Business is personal.

Share a little bit about yourself every time you use your card by customizing it with your own design.

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. The "Identify Yourself" card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.
Visa® is a registered trademark of Visa International Service Association. All other service marks and trade names referenced in this material are the property of their respective owners.
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.