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Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

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M&T Business Rewards Credit Card

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Intro 0% APR for 12 months on purchases and balance transfers (after that 17.49% and 24.49% variable). The balance transfer fee is 4% or $10, whichever is greater.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

No rewards on all purchases

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: March 21, 2024 | Credit Card Review
Card Overview

The M&T business credit card can often approve for high credit limits, but in most cases you will need to prove your business income and sales by providing your tax returns or other financial documents. The card does not offer any rewards and is stripped from most benefits. The only good part of the card is the intro 0% APR for 12 months on purchases and balance transfers.

Card-Smart Tips & Advice
  • Credit: You can get approved even if you are new to credit
  • You will often be asked to provide your business financial documents
  • Not reported on personal credit reports: M&T bank does not report business cards on your personal credit report
  • Credit bureau: M&T bank will usually pull your Experian credit report

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
789 Avg. Score of those approved
0% Denied
Approved 100% (2)
Denied 0% (0)

Credit limit range $20,000-$50,000

Avg. Credit limit$35,000

Approved 100% (2)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer Fee: 4% or $10, whichever is greater Balance transfers must be completed within 60 months of account opening Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Card Details And Benefits
Get Started Card not affiliated
Add to compare

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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