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M&T Bank Visa Business Bonus Rewards Card Review

The M&T Business Rewards Credit Card earns an unlimited 1.5% cash back on all purchases and offers a $250 sign-up bonus when you spend $2,500 within the first 90 days of opening an account. Businesses can use a nine-month 0% introductory APR on purchases. There’s no annual fee or fees for employee cards or foreign transactions.

  • Issuer NameM&T Bank
  • Annual Fee$0
  • Regular APR16.74% and 23.74% Variable APR
  • Penalty APR24.99%
  • Purchases Intro APR0% introductory APR on purchases
  • Balance Transfer Fee4% of each balance transfer (minimum $10)
  • Cash Advance Fee3% of each transaction (minimum $10)

  • Prefer to avoid an annual fee.
  • Need a nine-month 0% introductory APR on purchases.
  • Want a flat-rate cash back rewards program.

The M&T Business Rewards Credit Card is easy to use. It has no annual fee and earns 1.5% cash back on all purchases, so you don’t need to worry about keeping track of bonus categories or getting enough value from rewards or benefits to offset an annual fee. Businesses can make the most of this card by earning the $250 sign-up bonus, which you’ll earn when you spend $2,500 within the first 90 days of opening an account. If you need to finance a large purchase, you can use the 0% introductory APR on purchases for the first nine months. Just divide your balance by nine to calculate how much you need to pay each month to pay off the balance before interest charges apply.

Editor’s Take

While other business credit cards may earn more rewards or offer better benefits, the M&T Business Rewards Credit Card is a good choice if you want a simple cash back rewards card with no annual fee.

Jessica MerrittContributor

You can earn $250 cash back when you spend $2,500 within the first 90 days of opening an account.

You can maximize rewards with the M&T Business Rewards Credit Card by earning the sign-up bonus. You’ll earn the $250 bonus when you spend $2,500 within the first 90 days of opening an account. Beyond that, you’ll earn 1.5% cash back on all purchases. With the card’s flat-rate cash back earnings, you don’t need to employ a special strategy for earning more – just use the card as you normally would for purchases.

You could also consider pairing this card with one that earns a higher cash back rate for categories you regularly spend in. Then use this card for all other purchases to get the 1.5% rate.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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