M&T Bank Business Credit Card
M&T Bank Business Credit Card Unaffiliated

M&T Bank Business Credit Card

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Purchase APR  (Variable APR) 10.24% - 17.24%
Balance Transfer APR  (Variable APR) 10.24% - 17.24%
Credit Score Range 600 - 850
Annual Fee $0

M&T Bank Business Credit Card Review

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. M&T Bank Business Credit Card has a variable 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.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of M&T business credit card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • M&T Bank Business Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card benefits.

M&T business credit card FAQ

Who is M&T business credit card designed for?

This is a credit card issued by M&T Bank.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

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.

M&T business credit card Rates & Terms
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.
  • An overlimit fee of $15.

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.

M&T business credit card Fees
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.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 724-2440.

What is the support contact email?

The support contact email for this business credit card is

Does M&T Bank Business Credit Card report your account activity to credit bureaus?

Yes, M&T Bank Business Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the M&T Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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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

Learn how you can save money with a competitive APR, when you make purchases with your M&T Business Credit Card. 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. 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. Easily pay for purchases at millions of stores around the world when you add your Credit Card to your Digital Wallet. Add employee cards at no additional cost and manage spend limits. Make payments, transfer funds, or review account details online with M&T Online Banking for Business, on the M&T Mobile App.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 0%
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) $10
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $15
Returned Payment Fee Up to $25
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
APR Type Variable APR
Balance Computation Average Daily Balance
Cash Advance APR (Variable APR) Starting at 22.24%
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 10.24% - 17.24%
Balance Transfer Fee % 4%
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Fee Minimum $10
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 10.24% - 17.24%
Card Type
  • Low Interest

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