Get rewarded for doing business.

Earn 2% cash back on every purchase when you use your M&T Business Rewards Card. 

Schedule An Appointment

Business as usual -- with rewards.

Make every purchase more rewarding when you earn unlimited points. 

2% Cash Back

Earn 2% cash back on all purchases for your first 12 billing cycles from the time you open an account. 

0% APR

0% introductory APR on balance transfers and purchases for 12 billing cycles. Variable APR is 12.24% - 19.24% after intro period. 

All lines of credit and all terms referenced herein are subject to receipt of a complete M&T application, credit approval and other conditions. Terms offered are available for business purpose loans only, but are not available for refinancing or consolidating existing M&T credit or credit requiring an SBA loan guaranty. Other terms, conditions, fees and restrictions may apply.

Fraud Protection

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

Add Employee Cards

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

Simple Rewards

No complicated reward tiers, caps or rotating categories. 

No Annual Fee

No annual fee or foreign transaction fees.

MANAGEMENT MADE EASY

We understand you're running a business

That's why we make managing your card easy on you.

Make payments, transfer funds, or review account details online, on the M&T Mobile App, at any M&T Bank ATM or at any local M&T branch. 

Link your credit card to a checking account as overdraft protection in the event you do not have sufficient funds.

Features with every M&T Business Banking Card

M&T Assurance®

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. 

Digital Wallet

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

card customization

Business is personal.

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

Get Started
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All lines of credit and all terms referenced herein are subject to receipt of a complete M&T application, credit approval and other conditions. Terms offered are available for business purpose loans only, but are not available for refinancing or consolidating existing M&T credit or credit requiring an SBA loan guaranty. Other terms, conditions, fees and restrictions may apply.
​All products and services are subject to eligibility and restrictions may apply.
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.