Compare PNC business credit cards

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

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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 January 26th, 2020
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 12.74% to 21.74% variable)
$0
Earn 5x points on all purchases.
PNC Visa® Business Credit Card
PNC Visa® Business Credit Card
N/A
11.74% to 21.74% 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
12.74% to 18.74% 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 12.74% to 21.74% variable)
$0
Earn a $200 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
1x miles on all purchases after the signup bonus
12.74% to 21.74% variable
$0
Earn $5,000 miles on your first $2,500 spent, then 1x miles on all purchases.

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Best PNC business credit cards

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

PNC Cash Rewards® Visa Signature® Business Credit Card

Earn a $200 bonus after spending $3,000 within the first 3 billing cycles of opening your account.

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 5x points on all purchases.

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

Earn $5,000 miles on your first $2,500 spent, then 1x miles on all purchases.

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

Enjoy an intro APR and low ongoing rates.

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

$750 statement credit when you make at least $25,000 in qualifying purchases during the first 3 billing cycles following account opening.

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 12.74% and 21.74%.

Consider a top card from another brand

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 in your first 3 months when you open your account.
  • Earn 3x points on the first $150,000 spent on travel and select business categories each account anniversary year, 1x points after that, which is also the rewards rate on everything else you buy.
  • No foreign transaction fees.
  • Pay $95 annual fee.
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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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