USES

Business Rewards from M&T Bank Review

Business Rewards from M&T Bank — all information about the credit card.

Updated July 12, 2022
Advertiser Disclosure Our Methodology
M&T Bank Business Rewards
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Intro Offer:
    • 2% Cash Back on all purchases for your first year.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Regular APR:
    12.49% - 19.49% Variable
  • Balance Transfer APR:
    12.49% - 19.49% Variable
Show more

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M&T Bank Business Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1%
All purchases
$
Have you already recieved the M&T Bank intro bonus?
Calculate
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All benefits

  • Cash back
    • 1% On all purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 billing cycles from account opening
  • Purchase APR
    • 12.49% - 19.49% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfers APR
    • 12.49% - 19.49% Variable
  • APR for Cash Advances
    • 22.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire account balance by the due date each month. You will be charged interest on balance transfers, cash advances and overdraft advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 4% of each balance transfer (minimum $10)
  • Fees for Cash Advances
    • 3% of each transaction (minimum $10)
  • Penalty Fees
    • 24.99%
  • Return Payment
    • Up to $25
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
  • Intro APR period
Cons:
  • Extra Fees

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

M&T Bank
M&T Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Good credit score
Upgrade Cash Rewards Visa®
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4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
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    Regular APR
  • 1.5%
    Cash Back on payments.
  • N/A%
    Purchase Intro APR
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Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
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    Regular APR
  • 2x - 7x:
    Points on restaurants.
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    Purchase Intro APR
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4.11 out of 5
Recommended credit score
score
Good to Excellent (670-799)
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    Annual Fee
  • 26.24%
    Regular APR
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    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
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See Another Credit Cards in the Bank

M&T Bank Business Rewards is an option for those, who need Classic features. With an APR of 12.49% - 19.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With M&T Bank Business Rewards you will get such features as 0% Intro APR, Low interest, No Annual Fee, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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