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Banking RegistryReal data. Clear answers.Data as of Oct 14, 2026
Banking RegistryReal data. Clear answers.
Manufacturers and Traders Trust CompanyM&T Business Credit CardRegistry illustration · issuer artwork unavailable

M&T Business Credit CardManufacturers and Traders Trust Company · SM bank, CT · FDIC 588

CurrentLast observed Oct 14, 2026Source date Aug 26, 2026Official issuerCredit card · Business · VisaNetwork stated on issuer website
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Purchase APR
13.74%–20.74%
variable
Balance transfer
0% for 12 billing cycles
no ongoing rate filed
Cash advance APR
—
Annual fee
No annual fee
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory, 12 billing cycles0%Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0.00% Introductory APR for the first 12 billing cycles from account opening. After that, your APR will be between 13.74 and 20.74%{”Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
13.74%–20.74% variableManufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0.00% Introductory APR for the first 12 billing cycles from account opening. After that, your APR will be between 13.74 and 20.74%{”Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfersintroductory rate first0%Manufacturers and Traders Trust Company · Page Capture Aug 26, 2026 · Captured Aug 26, 2026“0% introductory APR on balance transfers and purchases for 12 billing cycles. A balance transfer fee will apply.{”Manufacturers and Traders Trust Company · Page Capture Aug 26, 2026 · Captured Aug 26, 2026Website
APR for cash advances—no source read
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeNo annual feeManufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“No annual fee”Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—no source read
Balance transfer—no source read
Foreign transaction—no source read
Penalty fees
Late payment—no source read
Returned payment—no source read
APR qualificationsBalance transfer · Introductory0% introductory APR on balance transfers and purchases for 12 billing cycles. A balance transfer fee will apply.{Manufacturers and Traders Trust Company · Page Capture Aug 26, 2026 · Captured Aug 26, 2026“0% introductory APR on balance transfers and purchases for 12 billing cycles. A balance transfer fee will apply.{”Manufacturers and Traders Trust Company · Page Capture Aug 26, 2026 · Captured Aug 26, 2026Website
APR qualificationsPurchase · Introductory0.00% Introductory APR for the first 12 billing cycles from account opening. After that, your APR will be between 13.74 and 20.74%{Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“0.00% Introductory APR for the first 12 billing cycles from account opening. After that, your APR will be between 13.74 and 20.74%{”Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsPurchase · Regular{d915*}} based on your creditworthiness and will vary with the market based on the Prime Rate.Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026“{d915*}} based on your creditworthiness and will vary with the market based on the Prime Rate.”Manufacturers and Traders Trust Company · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website