Last Updated: 04/18/2025
M&T Bank Business Credit Card
Unaffiliated
in Business Credit Cards from M&T Bank
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
10.24% - 17.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.24% - 17.24%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
600 - 850
M&T Bank Business Credit Card Review
This is a card issued by M&T Bank. If you're wondering whether M&T Bank Business Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- APRs: M&T Bank Business Credit Card has a variable regular purchase APR that ranges from 10.24% up to 17.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. M&T Bank Business Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of M&T business credit card
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 10.24% up to 17.24% . The card has a variable balance transfer APR that ranges from 10.24% up to 17.24% .
It also has a variable cash advance APR starting at 22.24% . Note that late payments are subject to an APR of 24.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 12 months from account opening.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 10.24% - 17.24% |
| Balance Transfer APR | 10.24% - 17.24% |
| Cash Advance APR | Starting at 22.24% |
| Penalty APR | 24.99% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $35 .
- A returned payment fee of up to $25.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 4% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $35 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
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| Rewards Type | No Rewards | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from M&T business credit card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 4:00PM
Saturday
Closed