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.

Top Features

  • 0% introd​​​uctory APR on balance transfers and purchases for 12 billing cycles​ (a balance transfer fee will apply)
  • Variable APR of 10.24% - 17.24% thereafter​
  • No annual fee
  • Save with no foreign transaction fee
  • Add employee cards at no additional cost, plus ability to manage spend limits for users
  • Enroll in Business Credit Card Alerts for delivery via email, text, or app notification. The following alerts are available:
    • Transaction Approved
    • Transaction Declined
    • Online/Phone Transaction is Approved
    • Transaction Outside the U.S. is Approved
  • Global acceptance with chip technology and contactless technology
  • ​M&T Assurance® ​for fra​ud prevention, detection and resolution​
  • Multiple convenient ways to make payments, transfer funds, or review account detail
  • Easily pay for purchases at millions of stores around the world when you add your Credit Card to your Digital Wallet
  • Ability to choose your own card design at no additional cost

Rates & Fees

Please review the complete list of rates and fees associated with this card.
Terms and Conditions (PDF)>

Is this product right for you?

This product is best for people who:

  • Are interested in a hassle free business credit card
  • Enjoy the convenience of online and mobile account management

How to Apply

Visit your nearest M&T Branch.

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.
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.
​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.
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.
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.