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

Compare PNC business credit cards – April 2019

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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 April 18th, 2019
Name Product Rewards Purchase APR Annual Fee
PNC points® Visa® Business Credit Card
PNC points® Visa® Business Credit Card
5 points for every $1 in qualifying purchases
13.24% to 22.24% variable
$0
Earn 5 points for every $1 you spend on purchases.
PNC Visa® Business Credit Card
PNC Visa® Business Credit Card
12.24% to 22.24% 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
Revolve Option - 1.5% cash back on net purchases
13.24% to 19.24% variable
$0 intro annual fee for the first year ($500 thereafter)
$400 statement credit when you make at least $15,000 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
Earn 1.5% cash back on purchases
13.24% to 22.24% variable
$0
Earn a $100 bonus after spending $3,000 within the first 3 billing cycles of opening your account.
PNC Travel Rewards Visa® Business Credit Card
PNC Travel Rewards Visa® Business Credit Card
Earn 1x miles on all eligible purchases
13.24% to 22.24% variable
$0
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

Earn a $100 bonus after spending $3,000 within the first 3 billing cycles of opening your account.

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 signup bonus.

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 13.24% and 22.24%. 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

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 13.24% and 22.24%, 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

$400 statement credit when you make at least $15,000 in qualifying purchases during the first 3 billing cycles following account opening

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, 5x points or 1x 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 13.24% and 22.24%.

Consider a top card from another brand

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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Compare business credit cards

Updated April 18th, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% 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®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe.
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.
2x points on purchases through Amex Travel and 1x points on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership.
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back.
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 100,000 bonus points after you use your new card to make $5,000 in purchases within the first 3 months of card membership.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
None (Charge Card)
$0
60-day interest-free financing for e-commerce businesses.

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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?

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.

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