Manufacturers and Traders Trust CompanyM&T Business Rewards Credit CardRegistry illustration · issuer artwork unavailable
M&T Business Rewards Credit CardManufacturers and Traders Trust Company · SM bank, CT · FDIC 588
CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerCredit card · Business
Purchase APR
—
Balance transfer
—
Cash advance APR
—
Foreign fee
—
Grace period
Not disclosed
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | 0%Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “0% introductory APR on purchases for 9 billing cycles. Variable APR is 16.74% and 23.74% after intro period.{”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | Not disclosed | no source read | |
| Annual fee | No annual fee or foreign transaction fees.{Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “No annual fee or foreign transaction fees.{”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| 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 qualificationsPurchase · Introductory | 0% introductory APR on purchases for 9 billing cycles. Variable APR is 16.74% and 23.74% after intro period.{Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “0% introductory APR on purchases for 9 billing cycles. Variable APR is 16.74% and 23.74% after intro period.{”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Signup bonuspoints award | 25,000 points. Spend $2,500 on eligible purchases. Qualify within 90 days after account opening. Points may be redeemed for a $250 statement credit or other rewards. Award posting timing is not disclosed. Offer expiration not disclosed. . After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The 25,000 Bonus Rewards Points have a value of $250 and the points can be redeemed as a statement credit to your M&T Business Credit Card account, cash into your M&T business checking account or other reward options. Offers and Rewards points received are subject to change and/or discontinuation without notice.Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The…”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Signup source conditions | The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Qualifying purchasesNot disclosed | 1.5 points per $1. See source conditions for eligible purchases.Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The…”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards conditionsQualifying purchases | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. . After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The 25,000 Bonus Rewards Points have a value of $250 and the points can be redeemed as a statement credit to your M&T Business Credit Card account, cash into your M&T business checking account or other reward options. Offers and Rewards points received are subject to change and/or discontinuation without notice.Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “. After account opening, your new M&T Business Rewards Credit Card will receive 1.5 (one and a half) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening. The…”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |
| Rewards source conditionsQualifying purchases | The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | “The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the”Manufacturers and Traders Trust Company · Page Capture Oct 3, 2026 · Captured Oct 3, 2026 | Website |