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M&T Business Credit Card

Credit needed
Good
APR
10.24% to 17.24%
Annual Fee
$0

Card Summary

M&T Business Credit Card offers a low-cost credit card that is easy to use for businesses of all sizes, but does not provide rewards.

The M&T Business Credit Card offers valuable benefits to business owners and a $0 per year fee. Based on creditworthiness, the current M&T Business Credit Card APR is between 10.24% to 17.24%.

The Best Features:

12-month 0% APR intro period: For the first twelve months, purchases and balance transfer transactions are subject to a 0% interest rate.

Annual Fee: The M&T Business Credit Card does not have an annual fee, unlike other business credit cards.

Drawbacks

There is no sign-up bonus for new M&T Business Credit Card cardholders.

There is no rewards program with the M&T Business Credit Card.

Card Summary - Cons

Rates and fees

Issuer Name
M&T Bank
Penalty APR
24.99%
Credit Needed
Good
Balance Transfer Fee
Minimum $10, 4% on each balance transfer
Annual Fee
$0
Cash Advance Fee
Minimum $10, 3% on each transaction
APR
10.24% to 17.24%
Foreign Transaction Fee
None
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Here’s a smart way to pay off

M&T Bank

The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

There is no annual charge.

You can add employee cards to your account at no extra cost. Also, you have the ability to limit spend for each user. Chip technology is accepted worldwide.

There are many options to pay, transfer money, and review your account details. Pay conveniently at thousands of shops around the globe with Apple Pay, Google Pay and Samsung Pay. Simply add your card to an eligible Samsung, Android, or iPhone supported device.

Personalize your M&T Credit Card. No foreign transaction fees to save.

M&T Business Credit Card Benefits: M&T Business Credit Card has many benefits, including:

Employee cards are free.
M&T Assurance is a fraud prevention, detection, and resolution company.
No foreign transaction fees.

Benefits

Comparative Analysis with Other Cards

M&T Business Credit Card Vs. M&T Business Credit Card

Annual Fee: There is no annual fee for the card.

Reward Program: M&T Business Credit Card doesn't offer any rewards programs. The Ink Business Cash Credit Card offers a 5% cashback on your first $25,000 in office supplies, internet, phone, or cable purchases. You also get 2% cashback on any additional $25,000 annual gas, restaurant, or telephone purchases.

Sign up bonus: M&T Business Credit Card doesn't offer any sign-up bonuses. If you spend $7,500 within the first three months of account opening, then you can get a $750 cashback sign-up bonus.

Benefits: The M&T Business Credit Card has many benefits, including no foreign transaction fees and free employee cards. Ink Business Cash Credit Card provides benefits such as purchase protection, extended warranty coverage and waivers for auto collision damage. It also offers travel and emergency assistance.

M&T Business Credit Card Vs. Bank of America Business Benefit Cash Rewards credit card

Annual Fee: There is no annual fee for the card.

Rewards: M&T Business Credit Card doesn't offer any rewards. Cardholders of the Bank of America Business Advantage cash rewards credit card get 3% cashback in any category, such as gas stations, office supplies stores, travel and TV, telecommunications, wireless services, business services or consulting services.

Earn 2% cashback on dining, and 1% on any other eligible purchases. You can earn 3% or 2% cashback on purchases up to $50,000 each in dining and combined category categories (then, 1%).

Sign-up bonus: New cardholders are not eligible for a sign up bonus with the M&T Business Credit Card. New cardholders of the Bank of America Business Advantage Cash Reward credit card receive a $300 sign-up bonus on their statement credit for $3,000 net purchases made within 90 days of opening an Account.

Benefits: M&T Business Credit Card offers benefits such as free employee cards, no foreign transaction fees and zero foreign transaction fees. If you connect your Bank of America Business Advantage cash rewards credit card to a Bank of America checking account, it offers overdraft protection, travel accident insurance and auto rental insurance.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

M&T Bank