Compare the benefits of each PNC business credit card | finder.com

Compare PNC business credit cards – December 2018

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This bank offers a suite of cards to match perks to your spending and needs.

When you’re researching potential business credit cards, the amount of options can be overwhelming. PNC offers five straight-forward credit cards, each with specific features to meet the needs of every business type. We’ve detailed each PNC business credit card so that you can decide which option would best suit your company.

Compare PNC business credit cards

Updated December 11th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
PNC points® Visa® Business Credit Card
PNC points® Visa® Business Credit Card
12.74% to 21.74% variable
0% for the first 9 billing cycles (then 12.74% to 21.74% variable)
$0
Earn 5 points for every $1 you spend on purchases.
PNC Visa® Business Credit Card
PNC Visa® Business Credit Card
11.74% to 21.74% variable
$0
More rate conscious than interested in earning rewards? We bring back the basics of using credit cards for your business by offering a longer introductory offer, a competitive rate thereafter, and great customer service and convenience
PNC BusinessOptions® Visa Signature® Credit Card
PNC BusinessOptions® Visa Signature® Credit Card
12.74% to 18.74% variable
$0 annual fee for the first year ($500 thereafter)
Businesses with annual credit card spend of $50,000 or more can get account options to control employee spending, and manage cash flow. It’s a convenient all-in-one card program for purchasing, fleet, travel and entertainment spending, with the added benefits of a Visa Signature card
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Cash Rewards® Visa Signature® Business Credit Card
12.74% to 21.74% variable
0% for the first 9 billing cycles (then 12.74% to 21.74% variable)
$0
Boost your bottom line with the PNC Cash Rewards Visa Signature Business credit card. This card makes it easy to earn unlimited cash back … just for doing business as usual
PNC Travel Rewards Visa® Business Credit Card
PNC Travel Rewards Visa® Business Credit Card
12.74% to 21.74% variable
$0
Business takes off with the PNC Travel Rewards Visa Business credit card. This card provides you with valuable travel rewards through your everyday business purchases

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Best PNC business credit cards

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Best business card for cashback rewards: PNC Cash Rewards® Visa Signature® Business Credit Card

PNC Cash Rewards® Visa Signature® Business Credit Card

Boost your bottom line with the PNC Cash Rewards Visa Signature Business credit card. This card makes it easy to earn unlimited cash back … just for doing business as usual

Promoted
The PNC Cash Rewards® Visa Signature® Business Credit Card offers flat cash back on your business spending with a $0 annual fee. If you’re planning a big purchase — computers or office furniture, for example — you’ll especially like the low intro APR for the first 9 billing cycles after approval. With large initial purchases, you can also benefit from a $100 bonus after spending more than $3,000 within the first 3 billing cycles of opening your account..

You can earn cashback rewards for employee spending as well.

However, the intro APR does not include balance transfers. If you’re looking to transfer debt, you would be better served with the PNC Visa® Business Credit Card.

Best business card for high point earnings: PNC points® Visa® Business Credit Card

PNC points® Visa® Business Credit Card

Earn 5 points for every $1 you spend on purchases.

Promoted
Many business owners enjoy the freedom of points-based rewards that allow you to choose from a variety of options. The PNC points® Visa® Business Credit Card offers just that: high point earnings for each dollar spent along with a robust points program. With this card, you receive 5x points on all qualifying purchases, redeemable for airline tickets, hotel credit, retail gift cards or cash back.

Another attractive perk is a 0% intro APR on purchases and balance transfers for the first 9 billing cycles after account opening. This can get you lots of points with big initial purchases that you can take your time paying off. Or if you’re paying off debt from another card, the 0% intro APR also applies to balance transfers made in the first 90 days of opening your account. After this intro period, your rate reverts to a variable APR between 12.74% and 21.74%. You’ll also have to pay a balance transfer fee of $5 or 3% of the transfer, whichever is greater.

The card also offers flexibility for employees to use the points they earn or to keep them on the company account.

Best business card for travel: PNC Travel Rewards Visa® Business Credit Card

PNC Travel Rewards Visa® Business Credit Card

Business takes off with the PNC Travel Rewards Visa Business credit card. This card provides you with valuable travel rewards through your everyday business purchases

Promoted
Business owners that travel frequently may find this card to be the best PNC option, as it focuses specifically on miles and travel rewards. You can earn 1 mile per every dollar spent. The minimum redemption is 25,000 miles, which gets you a $315 airline reservation credit. After that, every 5,000 miles earns an additional $50 credit.

Getting to the 25,000-mile minimum is much faster with an intro offer that doubles miles earned on the first $2,500 in purchases. If you travel abroad, there are no foreign transaction fees to worry about. However, if you want to redeem miles for cash instead of travel, you will only earn $40 per 5,000 miles. If you’re looking for a card that offers more than just travel rewards, you might want to explore other options.

Best business card for balance transfers: PNC Visa® Business Credit Card

PNC Visa® Business Credit Card

More rate conscious than interested in earning rewards? We bring back the basics of using credit cards for your business by offering a longer introductory offer, a competitive rate thereafter, and great customer service and convenience

Promoted
If you aren’t looking to accrue rewards or points but merely want a lower rate, this no-frills business card is a solid option. Its attractive balance transfer offer can appeal to any businesses looking to consolidate debt and free up cash flow.

The card includes a 0% intro APR on balance transfers for the first 9 billing cycles when you make the balance transfers within the first 90 days of opening your account. After that, your rate reverts to a variable APR between 12.74% and 21.74%, which is the lowest rate of all PNC business cards.

Even with the intro APR offer, balance transfers still come with a fee of $5 or 3% of the transfer, whichever is greater. This is something to be mindful of when you want to transfer large amounts.

Compare business balance transfer credit cards

Best corporate card: PNC BusinessOptions® Visa Signature® Credit Card

PNC BusinessOptions® Visa Signature® Credit Card

Businesses with annual credit card spend of $50,000 or more can get account options to control employee spending, and manage cash flow. It’s a convenient all-in-one card program for purchasing, fleet, travel and entertainment spending, with the added benefits of a Visa Signature card

Promoted
The PNC BusinessOptions® Visa Signature® Credit Card is a solid solution for businesses that spend $50,000 or more each year, waiving the $500 annual fee if you spend more than $100,000.

Flexible rewards allow you to earn up to 1.5% cash back, x points or x miles on your business spending.

Unique features specifically tailored to larger businesses include detailed accounting solutions and premium travel benefits.

How to compare PNC business credit cards

PNC tailors its business cards to meet your company’s unique needs. When you’re deciding on which is right for you, consider:

  • Your spending habits. If you tend to use your card for monthly expenses, the PNC Cash Rewards® Visa Signature® Business Credit Card can get you up to 1.5% cash back on all of your purchases. If you spend more than $50,000 a year, the PNC BusinessOptions® Visa Signature® Credit Card comes with stronger rewards and tailored tools.
  • How often you travel. If you travel frequently, it’s smart to get a card like the PNC Travel Rewards Visa® Business Credit Card. You’ll earn 1x miles that can offset the cost of travel reservations, and you won’t pay foreign transaction fees when you use your card abroad.
  • Whether you need to transfer balances. If you’re looking to consolidate debt from other cards, the PNC Visa® Business Credit Card offers a 0% intro APR for 13 billing cycles on balances you transfer in the first 90 days your account is open. After that, the rate reverts to a variable APR between 12.74% and 21.74%.

Compare business credit cards

Updated December 11th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.

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Why choose a PNC business credit card?

  • Employee cards. Each PNC business card allows you to add employees as authorized users without paying fees. You can often earn rewards through employee spending, too.
  • Expense reporting tools. Your PNC account includes the option to enroll in Cash Flow Insight, a spending analysis tool that allows you to monitor employee spending and track and organize transactions. The BusinessOptions® Visa Signature® Credit Card offers even stronger reporting abilities.
  • Reward programs. PNC cards offers a range of rewards — cash back, miles or points systems — to match your business’s needs.
  • No annual fees. Only the PNC BusinessOptions® Visa Signature® Credit Card comes with a potential fee each year that’s based on your spending habits. All other cards are suited for long-term use without a fee.

Can a business card affect my personal credit?

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Bottom line

When you’re in the market for a business credit card, PNC’s suite offers diverse rewards, features and perks to meet your business’s spending and needs. Each card targets a type of need, whether cash back, travel rewards or points.

Many PNC cards come with low intro APR periods and signup bonuses, like statement credit after you reach a minimum spend. And you can add employees as authorized users, keeping track of purchases through expense reporting tools.

When choosing a business credit card for your company, think about your spending habits and needs to find the strongest card you’re eligible for.

Frequently asked questions

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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