M&T Bank Visa Business Card Review

The M&T Business Credit Card offers benefits including:

Annual fee: Neither card charges an annual fee.

Rewards: The M&T Business Credit Card does not offer a rewards program. With the Ink Business Cash Credit Card, you receive 5% cash back on the first $25,000 spent on office supplies and internet, cable and phone purchases each year, 2% cash back on the first $25,000 of total annual purchases of gas and at restaurants, and 1% per dollar for all other purchases.

Sign-up bonus: The M&T Business Credit Card does not offer a sign-up bonus. You can earn a $750 cash back sign-up bonus with the Ink Business Cash Credit Card if you make $7,500 on purchases in the first 3 months from account opening.

Benefits: The M&T Business Credit Card offers benefits including free employee cards and no foreign transaction fees. The Ink Business Cash Credit Card offers benefits including purchase protection, extended warranty coverage, an auto rental collision damage waiver, and travel and emergency assistance services.

Annual fee: Neither card charges an annual fee.

Rewards: The M&T Business Credit Card does not offer rewards. The Bank of America Business Advantage Cash Rewards credit card gives cardholders 3% cash back in a category of your choice, including gas stations, office supply stores, travel, TV, telecommunications and wireless services, computer services or business consulting services. You’ll earn 2% cash back on dining and 1% back on all other eligible purchases. The 3% and 2% cash back earnings are eligible on up to $50,000 in combined choice category and dining purchases each year (then 1%).

Sign-up bonus: The M&T Business Credit Card does not give new cardholders a sign-up bonus. The Bank of America Business Advantage Cash Rewards credit card offers new cardholders a $300 statement credit sign-up bonus for making $3,000 in net purchases within 90 days of opening an account.

Benefits: The M&T Business Credit Card provides benefits including free employee cards and no foreign transaction fees. The Bank of America Business Advantage Cash Rewards credit card offerstravel accident insurance, auto rental insurance, cash management tools and overdraft protection if you link your card to a Bank of America business checking account.