M & T Bank Business Credit Card Review and Guide

The M&T Bank Business Credit Card offers a range of benefits for small business owners, including no annual fee for the first year and a $0 intro balance transfer fee for 12 billing cycles.

With a rewards program that earns 3% cash back on purchases at U.S. supermarkets and 2% cash back at U.S. gas stations, this card is a great choice for businesses that spend a lot on fuel and groceries.

The card also offers a 0% intro APR for 12 billing cycles on purchases and balance transfers, giving business owners some breathing room on their finances.

M&T Bank offers a range of business credit cards, each with its own set of benefits and features.

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The M&T Bank Business Credit Card offers several benefits that make it a great choice for businesses. There's no annual fee or foreign transaction fees, which means you can save money on unnecessary charges.

You can earn unlimited 1.5% cash back on all purchases, plus a $250 bonus for new members who spend $500 on purchases within 90 days. This is a great way to earn rewards on everyday purchases.

One of the standout features of the M&T Business Rewards Credit Card is its 0% introductory APR on both purchases and balance transfers. This can be a huge help if you're looking to save money on interest charges.

Here are some key benefits of the M&T Bank Business Credit Card at a glance:

One of the biggest perks of this card is that it comes with no annual fee. This means you can use it as much as you want without worrying about an extra charge at the end of the year.

You'll also save money on foreign transaction fees, which can add up quickly when traveling abroad.

The M&T Business Credit Card is a great option for those looking for a lower APR. It offers a 0% introductory APR for the first 12 billing cycles, which applies to both purchases and balance transfers.

You can also expect a highly competitive APR after the initial period, which varies based on creditworthiness and the Prime Rate. This is a significant advantage for businesses that need to manage their finances carefully.

The M&T Business Credit Card has no annual fee, making it a cost-effective choice for businesses. This is a key benefit for companies that want to keep their expenses in check.

Here's a comparison of the M&T Business Credit Card and the M&T Business Rewards Credit Card:

The M&T Business Rewards Credit Card offers a more extensive rewards program, including unlimited 1.5% cash back on all purchases.

The M&T Bank Business Credit Card offers several rewards and features that can benefit your business. You can earn unlimited 1.5% cash back on all purchases, plus a $250 bonus.

The card also offers a lower APR option, with a 0% intro APR for the first 12 billing cycles on both purchases and balance transfers. This can be a great option if you need to make large purchases or pay off existing balances.

Here's a comparison of the two card options:

The M&T Business Rewards Credit Card also offers chip technology for global acceptance, M&T Assurance Fraud Prevention, and digital wallet capabilities through Apple Pay, Google Pay, or Samsung Pay.

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The M&T Bank business credit card has some interesting rates and details to consider. The regular APR interest rate is a variable 14.74% to 21.74%, with a 0% introductory rate for the first 12 months.

The balance transfer interest rate is also a variable 14.74% to 21.74%, with a 0% introductory rate for the first 12 months. This can be a great opportunity to save money on interest charges if you need to transfer a balance.

The cash advance interest rate is a variable 28.74%, which is significantly higher than the regular APR. This means you'll want to avoid using your card for cash advances if possible.

You won't have to pay an annual fee with this card, which is a nice perk. However, you will be charged a balance transfer fee of 4% with a minimum of $10.

For more insights, see: Bank of America Credit Card Transfer Balance Offers

Here's a quick rundown of the fees associated with this card:

The intro APR is 0% for 12 billing cycles on balance transfers and purchases, but be aware that a balance transfer fee will apply. After the intro period, the variable APR is 14.49% to 21.49%.

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The M&T Business Rewards Credit Card is a solid choice for businesses, offering a 1.5% cash back earning rate on all purchases.

This means you can earn rewards on everyday purchases like gas, office supplies, and dining out, making it a great option for businesses with frequent expenses.

New members can earn 10,000 bonus points when they spend $500 on purchases within 90 days of opening the account, which can be redeemed for a variety of goods and services.

There's no limit on the number of points you can earn, so you can keep earning rewards without worrying about hitting a cap.

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The card has no annual fee and no foreign transaction fees, making it a great choice for businesses with international transactions.

You'll also get an introductory 0% APR on both purchases and balance transactions for the first 12 months, which can be a huge help for businesses with cash flow issues.

After the introductory period, the APR will vary based on your creditworthiness and the Prime Rate, so be sure to keep an eye on your credit score.

The M&T Business Rewards Credit Card also offers comprehensive assistance and protection with M&T Assurance, including a dedicated 24/7 customer support line and chip technology to prevent fraud.

Additional reading: M and T Bank Statements