Editor’s note: This is a recurring post with regularly updated card details.
M&T Business Rewards Credit Card comes with a simple rewards program that lets cardholders earn unlimited fixed-rate cash back on all purchases, regardless of expense categories. It doesn’t charge annual or foreign transaction fees and offers 0% introductory annual percentage rate (APR) on purchases and balance transfers for the first 12 billing cycles. Our M&T Business Rewards Credit Card review shows that it is ideal for business owners who have an existing business checking account with M&T Bank.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
M&T Business Rewards Credit Card
BEST FOR:
Those with existing M&T checking or savings account wanting cash back rewards
Intro APR
0%
Regular APR
17.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Unlimited 1.5% cash back on every purchase
- 0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
- Variable APR of 14.49% to 21.49% thereafter
- No annual fee
- Add employee cards at no additional cost, plus ability to manage spend limits for users
- Global acceptance with chip technology
- M&T Assurance® for fraud prevention, detection, and resolution
- Multiple convenient ways to make payments, transfer funds, or review account detail, such as online with M&T Online Banking for Business or via the M&T Mobile App, at an M&T Bank ATM, or in person at any local M&T branch.
- Pay for purchases conveniently with Apple Pay®, Google Pay™, and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android®, or an eligible Samsung device
- Save with no foreign transaction fee
Pros
- With 0% introductory APR on purchases and balance transfers
- Welcome offer
- Doesn’t charge annual fees
Cons
- Charges high balance transfer fees
- Doesn’t offer unique features that make this business credit card stand out
- M&T Assurance®: M&T Bank helps prevent and detect card fraud, letting you use it confidently.
- Chip technology: Each M&T credit card contains an encrypted microchip. So, when your card is used at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
- Digital wallet: Your M&T card can be linked to digital wallets like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. This feature lets you make purchases without your physical card at brick-and-mortar stores and your card details for online payments.
- Employee cards: You can add employee cards at no additional cost and manage each card’s spending limits.
Intro APR
0%
Regular APR
17.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Unlimited 1.5% cash back on every purchase
- 0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
- Variable APR of 14.49% to 21.49% thereafter
- No annual fee
- Add employee cards at no additional cost, plus ability to manage spend limits for users
- Global acceptance with chip technology
- M&T Assurance® for fraud prevention, detection, and resolution
- Multiple convenient ways to make payments, transfer funds, or review account detail, such as online with M&T Online Banking for Business or via the M&T Mobile App, at an M&T Bank ATM, or in person at any local M&T branch.
- Pay for purchases conveniently with Apple Pay®, Google Pay™, and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android®, or an eligible Samsung device
- Save with no foreign transaction fee
Pros
- With 0% introductory APR on purchases and balance transfers
- Welcome offer
- Doesn’t charge annual fees
Cons
- Charges high balance transfer fees
- Doesn’t offer unique features that make this business credit card stand out
- M&T Assurance®: M&T Bank helps prevent and detect card fraud, letting you use it confidently.
- Chip technology: Each M&T credit card contains an encrypted microchip. So, when your card is used at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
- Digital wallet: Your M&T card can be linked to digital wallets like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. This feature lets you make purchases without your physical card at brick-and-mortar stores and your card details for online payments.
- Employee cards: You can add employee cards at no additional cost and manage each card’s spending limits.
When rating fixed-rate cash back business credit cards like the M&T Business Rewards Credit Card, we first consider the ongoing rewards. We also evaluate the introductory rewards, annual fee, introductory and ongoing annual percentage rates (APRs), and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 0 | 20 |
Additional Features | 10 | 15 |
Annual Fee | 15 | 15 |
Introductory APR | 10 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 68 | 100 |
Who the M&T Business Rewards Credit Card Is Best For
- Business owners who want to earn unlimited, fixed rewards: The card offers unlimited, fixed-rate cash back of 2% for the first year and then 1.5% after that. This applies to all purchases, so you won’t have to monitor category spending.
- Business owners with an existing business checking account with M&T Bank: If you have an M&T business checking account, you can link your credit card as overdraft protection in case you have insufficient funds to cover your checking account transactions. Read our M&T business checking account review for more information.
Is this not the card that you’re looking for? Check out our recommended alternatives below or visit our best small business credit cards for other options.
M&T Business Rewards Credit Card Rewards
- 2% cash back on all purchases for the first 12 months after account opening
- 1.5% cash back on all purchases after 12 months
You can earn unlimited cash back without tiers, caps, or rotating categories. In addition, rewards do not expire, but your rewards balance may be forfeited a month after your account becomes inactive.
M&T Business Rewards Credit Card Rewards Calculator
Know how much you can earn with the M&T Business Rewards Credit Card. Use our calculator below to compute your potential cash back rewards. Just input your expected monthly expenses and let our calculator do the rest.
How To Redeem M&T Business Rewards Credit Card Rewards
You can redeem your cash back rewards as a statement credit or a direct deposit to your M&T savings or checking account or apply your rewards to specific transactions made using your card. You can also use your rewards to shop for gift cards, electronics, and a variety of merchandise, or redeem them for travel, including flights, hotel stays, car rentals, or exclusive events.
M&T Business Rewards Credit Card Features
Security
- M&T Assurance®: M&T Bank helps prevent, detect, and resolve card fraud so you can use your card with confidence.
- Chip technology: Each M&T credit card contains an encrypted microchip. So, when you use your card at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
- Visa Zero Liability policy: You won’t be held responsible for unauthorized charges. Note that this will not apply in situations such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim, and account standing and history.
Convenience
- Digital wallet: You can link your M&T card to digital wallets, such as Apple Pay, Google Pay, Samsung Pay, and Garmin Pay, so you can easily make payments without your card.
- Employee cards: You can add free employee cards at no additional cost and manage each card’s spending limits.
- Overdraft protection: You can link your M&T Business Rewards Credit Card to your eligible M&T business checking account so you can be protected from overdraft in the event your account balance is not sufficient to cover your transactions.
M&T Business Rewards Credit Card Fees
APR
- Introductory: 0% APR for 12 billing cycles on purchases and balance transfers
- Ongoing and balance transfer: Between 17.49% and 24.49% variable, which will adjust with the prime rate
- Cash and overdraft advances: 27.49% variable, which will adjust with the prime rate
- Penalty: 24.99%; will be applied if you did not pay your balance beyond 60 days and will continue to apply until you make six consecutive minimum payments when due
Fees
- Annual: None
- Balance transfer: $10 or 4% of each balance transfer, whichever is higher
- Cash advance: $10 or 3% of each transaction, whichever is higher
- Foreign transaction: None
- Overdraft transfer: $8.00 for each transaction, but charged no more than once per day
- Late payment: Up to $35
- Unpaid convenience checks and returned payment: Up to $25
Your due date is at least 25 days after the close of each billing cycle.
How To Make Payments
- M&T Online Banking for Business: Use the online banking portal to make payments, transfer funds, and review your account details.
- M&T Mobile Banking: Pay bills instantaneously via the app, which is available for iOS and Android users.
- Nearest M&T bank branch: Pay your bills through a local M&T branch or ATM. Visit M&T’s branch locator to find one in your area.
M&T Business Rewards Credit Card Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
When To Consider American Express Blue Business CashTM
- If you need a flexible credit limit: The American Express Blue Business CashTM features Expanded Buying Power, letting you spend over your credit limit when you need to without additional fees. The amount you can spend adjusts based on your credit card usage, payment behavior, credit history, and other financial factors.
- If you prefer to receive your rewards automatically: Your cash back will be credited to your statement balance automatically without the need for manual redemption.
Other Benefits
- Charges a $0 annual fee
- Offers $250 statement credit as a welcome offer when you spend $3,000 in the first three months of card ownership
- Lets you earn 2% cash back on the first $50,000 purchases each year, then 1% cash back after that
- Comes with 0% APR on purchases for the first 12 months of opening an account
It is our leading cash back business credit card because of its simple rewards program and flexible credit limits.
Bank of America® Business Advantage Customized Cash Rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
When To Consider Bank of America® Business Advantage Customized Cash Rewards
- If you want to earn more cash back on your chosen spending category: You can earn 3% cash back in the category of your choice: gas and electric vehicle (EV) charging stations, office supply stores, travel, TV/telecom and wireless providers, computer, and business consulting services.
- If you have an existing business checking account with Bank of America: You will earn up to 75% more rewards if your business checking account balance qualifies for the Preferred Rewards for Business program. Read our Bank of America business checking account review to learn more.
Other Benefits
- Does not charge annual fees
- Also offers 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases
- Lets you earn $300 statement credit when you make $3,000 in purchases in the first 90 days of your account opening
- Comes with 0% APR on purchases for the first nine billing cycles after opening an account
It is one of our top-recommended limited liability company (LLC) business credit cards because of its unique rewards structure and generous offers for existing Bank of America business depositors.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.99% - 27.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.99% - 27.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- If you need to make a large purchase: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers 0% APR on purchases for the first 12 billing cycles, helping you save on credit cost if you need to make a large purchase.
- If you travel frequently: You will earn 5% cash back on prepaid travel, including hotel stays and car rentals, booked through the Travel Rewards Center.
Other Benefits
- Does not charge annual fees
- Let you earn 3% cash back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other purchases
- Offers $100 annual statement credit for recurring software subscription such as FreshBooks or QuickBooks
- Offers $750 cash bonus when you spend at least $6,000 within the first 180 days from account opening
- Features U.S. Bank ExtendPay® Plan, allowing you to divide your eligible balance into equal monthly payments without interest, just a fixed monthly fee
It is our top-rated business credit card with no annual fee because of its generous rewards and opportunities to save on credit costs.
Frequently Asked Questions (FAQs)
You can schedule an appointment online or via phone at 1-866-236-1219 to apply for an M&T Business Rewards Credit Card. Note that online application is not available.
Yes, you can use your own design to customize your business credit card at no additional fee. To do this, you must have your M&T Business Credit or Debit Card number ready, upload a photo on the M&T Bank website, and confirm your design.
You need to go to rewards.mtb.com website to redeem your rewards for cash, travel, gift cards, or merchandise. Just log in to your M&T online banking account and select your preferred redemption option.
Bottom Line
M&T Business Rewards Credit Card offers fixed-rate, unlimited cash back on every purchase with no annual fee. It is ideal for business owners who don’t want to monitor bonus category expenses. Note that other business credit cards offer longer introductory APR periods, can let you spend beyond your credit limit, and maximize the spending category with significant expenses.
