M&T Business Rewards Credit Card Login

M&T Business Rewards Credit Card Login

The M&T Business Rewards Credit Card is a credit card that offers rewards on everyday qualifying purchases, such as cash back, travel, gift cards, merchandise and events. You can earn one point for every dollar spent on eligible purchases.

To log in to your M&T Business Rewards Credit Card account, you can follow these steps:

• Visit the M&T Bank website and click on Log In button at the top right side.
• Enter your username and password and click on “Sign In”.
• If you are a new user, you can click on “Enroll Now” and follow the instructions to create your account.
• Once you are logged in, you can view your rewards balance, redeem your points, manage your account and more.

How to Apply for an M&T Business Rewards Credit Card?

The M&T Business Rewards Credit Card offers a range of benefits and features tailored to meet the needs of small business owners. With competitive rewards and convenient management tools, this card can help businesses earn rewards while staying in control of their finances. To apply for an M&T Business Rewards Credit Card, you can follow these steps:

• Visit the M&T Bank website and click on “Schedule an Appointment” or “Call 1-866-236-1219” to speak with a representative.
• Fill in the application form with your personal and business information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application. You will receive a decision within a few days.
• If you are approved, you will receive your card in the mail and you can activate it online or by phone.

M&T Business Rewards Credit Card Rewards and Benefits

The M&T Business Rewards Credit Card provides a straightforward and flexible cash back rewards program, with additional benefits like no annual fee and a variety of redemption options. here are the key points about the M&T Business Rewards Credit Card:

Cash Back Rewards: This card offers unlimited cash back on all purchases, with 2% cash back for the first year and 1.5% cash back after that.

Introductory APR: Enjoy a 0% introductory APR on both balance transfers and purchases for the first 12 billing cycles (with a balance transfer fee), followed by a variable APR ranging from 14.49% to 21.49%.

No Annual Fee: There is no annual fee associated with this card.

Employee Cards: You can add employee cards at no extra cost and set spending limits for each user.

Global Acceptance: The card is equipped with chip technology for global acceptance.

Fraud Protection: It comes with M&T Assurance® for fraud prevention, detection, and resolution.

Payment Options: You can make payments and manage your account through various methods, including online banking, the M&T Mobile App, M&T Bank ATMs, or in person at local branches.

Mobile Wallets: Conveniently pay for purchases using mobile wallets like Apple Pay, Google Pay, and Samsung Pay.

No Foreign Transaction Fees: This card doesn't charge foreign transaction fees, making it ideal for international spending.

Reward Redemption: You can redeem your cash back rewards through the M&T Rewards Program for various options, including cash deposits to M&T checking or savings accounts, statement credits, gift cards, merchandise, and travel, including flights, car rentals, and hotels.

Reward Flexibility: There is no limit on the number of points you can earn on eligible purchases, and your rewards do not expire, though they may be forfeited if your account becomes inactive.

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How to Make Payment for M&T Business Rewards Credit Card?

Choose the method that works best for you to stay on top of your credit card payments. You have a few convenient options to make payments for your M&T Business Rewards Credit Card

• M&T Online Banking for Business: You can easily manage your card and make payments by logging into your M&T Online Banking for Business account. You can find more information about it on the M&T Bank website.
• M&T Mobile Banking: If you prefer to use your mobile device, you can make quick payments through the M&T Mobile Banking app, which is available for both iOS and Android users.
• Visit a Local M&T Bank Branch: Another option is to make payments in person by going to the nearest M&T Bank branch. You can use the M&T Bank website to locate the branch closest to you by state.

M&T Business Rewards Credit Card Fees

Your due date for making payments is at least 25 days after the close of each billing cycle, giving you some time to make your payments without incurring any late fees. Here are the fees associated with the M&T Business Rewards Credit Card

• Annual Fee: There is no annual fee, so you won't be charged just for having the card.
• Balance Transfer Fee: If you transfer a balance from another credit card, you'll pay a fee of 4% of the amount you're transferring, with a minimum of $10.
• Cash Advance Fee: When you take out a cash advance using your credit card, you'll be charged a fee of 3% of the transaction amount, with a minimum of $10.
• Foreign Transaction Fee: There is no fee for making purchases in foreign currencies, so you won't be charged extra for using your card internationally.
• Overdraft Transfer Fee: If you use your credit card to cover an overdraft from your linked M&T Bank account, you'll be charged $8. This fee is applied once per day.
• Late Payment Fee: If you make a late payment, you could be charged up to $35 as a penalty.
• Unpaid Convenience Checks and Returned Payment Fee: If you have unpaid convenience checks or a payment is returned for insufficient funds, you may be charged up to $25.

What are the Pros and Cons of M&T Business Rewards Credit Card

Pros of M&T Business Rewards Credit Card

0% Introductory APR: This card offers a 0% introductory APR on both purchases and balance transfers, which can help you save money on interest charges if you need to carry a balance or consolidate debt.

Sign-up Bonus: There's a sign-up bonus that can provide you with extra value when you first get the card.

No Annual Fees: You won't be charged an annual fee just for having this credit card, which can help keep your costs down.

Cons of M&T Business Rewards Credit Card

High Balance Transfer Fees: The card has relatively high balance transfer fees, which means you'll pay more when moving balances from other cards.

Lacks Unique Features: This business credit card doesn't offer standout features or benefits that set it apart from other cards in the market, making it less competitive in terms of unique perks.