M&T Business Rewards Credit Card

Reward your business when you make purchases with your M&T Business Rewards Credit Card.

Earn points for all of your business needs – whether you’re paying bills, purchasing equipment or buying gas, you can get something in return when you use your M&T Business Rewards Credit Card.

Top Features

  • Unlimited 1.5% cash back on every purchase
  • Earn 10,000 bonus points after making $500 in purchases during first 90 days
  • 0% introd​​​uctory APR on balance transfers and purchases for 12 billing cycles​ (a balance transfer fee will apply)
  • Variable APR of 12.24% - 19.24% thereafter​
  • No annual fee
  • Save with no foreign transaction fee
  • 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
  • Access your rewards profile through Online and Mobile Banking
  • Add employee cards at no additional cost, plus ability to manage spend limits for users
  • 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 earning rewards on their business purchases
  • Enjoy the convenience of online and mobile account management
  • Travel and want peace of mind when it comes to credit card security for their business​

How to Apply

Visit your nearest M&T Branch.

The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com. Only M&T Business Rewards Credit Cards issued to residents of the United States and in good standing may be eligible to participate in M&T Rewards. We reserve the right to determine, in our sole discretion, whether a particular M&T Card or cardholder is eligible to participate in the Program. If you are a new M&T Business Rewards Credit Card customer and a resident of the United States, you will receive one (1) 10,000 bonus points award offer per Program Account (as defined in the Program Terms & Conditions) if you open and use that Card to make at least $500 in Purchases (as defined in the Program Terms & Conditions) within the first ninety days after such Card is opened. Additional exclusions and terms apply. M&T Business Rewards Credit Cards will receive one and a half (1.5) rewards points for every $1 spent on every Purchase (as defined in the Program Terms and Conditions). Offers and Rewards points subject to change and/or discontinuation without notice.
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at www.rewards.mtb.com. Only M&T Business Rewards Credit Cards issued to residents of the United States and in good standing may be eligible to participate in M&T Rewards. We reserve the right to determine, in our sole discretion, whether a particular M&T Card or cardholder is eligible to participate in the Program. If you are a new M&T Business Rewards Credit Card customer and a resident of the United States, you will receive one (1) 10,000 bonus points award offer per Program Account (as defined in the Program Terms & Conditions) if you open and use that Card to make at least $500 in Purchases (as defined in the Program Terms & Conditions) within the first ninety days after such Card is opened. Additional exclusions and terms apply. M&T Business Rewards Credit Cards will receive one and a half (1.5) rewards points for every $1 spent on every Purchase (as defined in the Program Terms and Conditions). Offers and Rewards points subject to change and/or discontinuation without notice.
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.
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.