Last Updated: 04/18/2025
M&T Bank Business Rewards Credit Card
Unaffiliated
in Business Credit Cards from M&T Bank
Last Updated: 04/18/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Business Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
12.24% - 19.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.24% - 19.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
M&T Bank Business Rewards Credit Card Review
This is a rewards card issued by M&T Bank. If you're wondering whether M&T Bank Business Rewards 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.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
- APRs: M&T Bank Business Rewards Credit Card has a variable regular purchase APR that ranges from 12.24% up to 19.24%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. M&T Bank Business Rewards 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 you have a fair credit score or better.
Pros & Cons of M&T business Rewards credit card
| The Good | The Bad |
|
|
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 12.24% up to 19.24% . The card has a variable balance transfer APR that ranges from 12.24% up to 19.24% .
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 offer an introductory APR rate on new purchases of 0%
| Purchase APR | 12.24% - 19.24% |
| Balance Transfer APR | 12.24% - 19.24% |
| 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?
Yes, M&T business Rewards credit card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | Up to $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Rewards 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