The Offer
Direct Link to offer (keep in mind, you can’t signup online)
- When you open an M&T Business Rewards Credit Card, earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening.
- The card also offers 0% introductory APR on purchases for 9 billing cycles. Variable APR is 18.49% and 25.49% after intro period.
Card Details
- 1.5 points per dollar spent.
- Points can be redeemed as a statement credit to your card, cash into your M&T business checking account or other reward options.
- 0% introductory APR on purchases for 9 billing cycles. Variable APR is 18.49% and 25.49% after intro period.
- No annual fee or foreign transaction fees.
Our Verdict
Not a bad signup bonus, especially given the 0% APR into offer and given the fact that there’s a report indicating M&T won’t business cards to the personal bureaus. The branch sign up will kill the deal for a lot of people; I wonder whether it’s possible to sign up over the phone, as the landing page seems to suggest. It might also be interested to someone who is going in-branch anyway for this M&T business checking bonus.
Hat tip to yt-nthr-rddtr
DP : Apparently inquiry sensitive? Applied for this and comfortably within footprint. A few days after submitting my application in branch, I was called and was questioned about why there are so many inquiries on my credit profile. I said I got married recently and have new credit cards to help with spending/budgeting with my wife. About 3 days after that the branch manager called me back and said “sorry we can’t approve you, the amount of inquires on your credit profile is really concerning”. Lol yeah man idk, seems like a bust if you’re inquires are hot. For those who care, I’m 4/24 but my total inquires they pulled was 9 due to biz applications.
Which CRA did they pull?
Get an additional $50 by using my referLive link. Bonuses are stackable. Email me if interested at [email protected]
U.S. Bank Business savings i believe can be funded with up to 3k in CC funding.
This $250 SUB is not too shabby and can be wiped out in 1 transaction if anyone is approved and looking for ideas.
I’m already running the M&T Biz 15k for $500 promo. Seems i should be priority for getting approved.
I would also recommend the branch as your chances further improves for getting both products as new clients.
The branch has absolutely zero say or sway in getting loan products approved.
usually when you’re “in the system” with M&T’s other products, it has a positive impact on getting approved for further applications that you may consider.
Similar to U.S. Bank. If you have no previous built up relationship with the institution, you’re SOL.
I’ve been with them for almost 15 years and have had the exact opposite experience.
If you have to go to the branch, you may want to open the business checking account as well if you don’t have one. It could be an extra $300-1,500 bonus.
https://www.doctorofcredit.com/ct-de-d-c-md-nj-ny-pa-va-wv-in-branch-mt-bank-400-business-checking-bonus/
I’ll add a note