Now get unlimited 2% cash back

Now you can earn unlimited 2% cash back your first year and 1.5% cash back after that with M&T Business Rewards Credit Card

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 rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice.

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 year, then 1.5% cash back thereafter.

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 rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are 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 rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice.

Introductory APR

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

The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.
The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.

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.

Simple Rewards

No complicated reward tiers, caps or rotating categories. 

No Annual Fee

No annual fee or foreign transaction fees.

The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.
The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.

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 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.

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

If there is not enough money available in your business checking account for the purchase and you have enrolled in an optional business overdraft protection service, funds needed to cover your purchase may be paid under the terms of your overdraft protection. Overdraft protection is available through a link to an M&T business savings account, M&T Business Overdraft Line of Credit or M&T Business Access Line of Credit. M&T Business Overdraft Line of Credit and M&T Business Access Line of Credit are subject to receipt of a complete M&T application, credit approval and other conditions. Fees apply for the use of overdraft services.

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.