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Compare PNC business credit cards

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

Getting a business card can be an exciting step toward strengthening the financial health of your operation. PNC offers five straightforward business credit cards, each with specific features to meet the needs of various types of business owners. We’ve detailed each PNC business credit card to help you choose one that fits your company needs.

Overview of PNC business credit cards

PNC offers five different business cards for potential cardholders. Here’s our breakdown of each PNC business card, and who they might be best suited for.

Best for cash back

PNC Cash Rewards® Visa Signature® Business Credit Card

The PNC Cash Rewards® Visa Signature® Business Credit Card offers a flat 1.5% cash back on your business spending with a $0 annual fee. This cash back rate extends to your employee cards as well, making this card a solid reward engine for your business.

Best for high point earnings

PNC Points® Visa® Business Credit Card

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.

Best for travel

PNC Travel Rewards Visa® Business Credit Card

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 on all eligible purchases.

Best business card for balance transfers

PNC Visa® Business Credit Card

Finder rating 3.2 / 5 ★★★★★

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.

Best for corporate spending

PNC BusinessOptions® Visa Signature® Credit Card

The PNC BusinessOptions® Visa Signature® Credit Card is a solid corporate solution for businesses that spend $50,000 or more each year. The cards hefty $500 annual fee is waived if you spend more than $100,000 in a calendar year. Other unique features specifically tailored to larger businesses include detailed accounting solutions and premium Visa travel benefits, such as roadside edispatch, auto rental collision damage waivers and lost luggage reimbursement.

Compare PNC business credit cards

For an easier time comparing these PNC business cards, htave a look below to check out each card’s major features side-by-side.

Name Product Rewards Purchase APR Annual fee
PNC Points® Visa® Business Credit Card
PNC Points® Visa® Business Credit Card
5x points on all purchases
0% intro for the first 9 billing cycles (then 12.49% to 21.49% variable)
$0
Earn 5x points on all purchases.
PNC Visa® Business Credit Card
PNC Visa® Business Credit Card
N/A
11.49% to 21.49% variable
$0
Enjoy an intro APR and low ongoing rates.
PNC BusinessOptions® Visa Signature® Credit Card
PNC BusinessOptions® Visa Signature® Credit Card
1.5% cash back on all purchases
12.49% to 18.49% variable
$0 intro annual fee for the first year ($500 thereafter)
$750 statement credit when you make at least $25,000 in qualifying purchases during the first 3 billing cycles following account opening.
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Cash Rewards® Visa Signature® Business Credit Card
1.5% cash back on purchases
0% intro for the first 9 billing cycles (then 12.49% to 21.49% variable)
$0
Earn a $200 bonus after spending $3,000 within the first 3 months of opening your account.
PNC Travel Rewards Visa® Business Credit Card
PNC Travel Rewards Visa® Business Credit Card
1x miles on all purchases after the signup bonus
12.49% to 21.49% variable
$0
Earn $40 miles on your first $2,500 spent, then 1x miles on all purchases.
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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 12.49% and 21.49%.
Consider this top business card instead
Brex 30 Card

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 PNC 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.

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. And with five specialized options at your disposal, you stand a good chance of finding a card that can support your needs.

However, if you’re not familiar with PNC or these cards don’t offer the features you’re looking for, take a look at all issuer business credit cards to find the strongest card you’re eligible for.

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