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.
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.
If you are planning a big purchase, computers or office furniture, for example, you might also find the 9 billing cycles 0% intro APR handy, with a low ongoing APR of 12.49% to 21.49% variable after that. If you need to make big purchases, this intro period also plays nice with the cards signup bonus of $200 after you spend $3,000 within your first 3 months.
One caveat here is the intro APR does not include balance transfers. If you are looking to transfer debt, you would be better served with the PNC Cash Rewards® Visa Signature® Business Credit Card.
Annual Fee
$0
Purchase APR
0% intro for the first 9 billing cycles (then 12.49% to 21.49% variable)
Balance transfer APR
12.49% to 21.49% variable
Welcome offer
$200 after spending $3,000 in the first 3 months
Estimated welcome offer value
Rewards
1.5% cash back on purchases
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. Unlock many other types of reward cards, you arent limited to certain categories for this earning rate.
Another attractive perk is a 0% intro APR on purchases and balance transfers for the first 9 billing cycles after account opening, reverting to 12.49% to 21.49% after. This can get you lots of points with big initial purchases that you can take your time paying off. Or if you are 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. Just note that if you are performing a balance transfer, you will 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. Just keep an eye on this cards fees: you will pay 3% on foreign transaction fees and up to $39 in fees for late payments.
Annual Fee
$0
Purchase APR
0% intro for the first 9 billing cycles (then 12.49% to 21.49% variable)
Balance transfer APR
0% intro for the first 9 billing cycles (then 12.49% to 21.49% variable)
Welcome offer
N/A
Estimated welcome offer value
Rewards
5x points on all purchases
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.
Getting to the 5,000 mile minimum is much faster with an intro offer that doubles miles earned on the first $2,500 in purchases. And 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. With that in mind, this business card is best used for travel, and flights specifically, rather than general reward purposes.
Annual Fee
$0
Purchase APR
12.49% to 21.49% variable
Balance transfer APR
12.49% to 21.49% variable
Welcome offer
$40 miles on your first $2,500 spent, then 1x miles on all purchases
Estimated welcome offer value
Rewards
1x miles on all purchases after the signup bonus
Best business card for balance transfers PNC Visa® Business Credit Card
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 13 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 11.49% and 21.49%, 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, so factor this in to your overall repayment plan if you are transferring a large amount. If you are looking for a balance transfer business card without a balance transfer fee, you might want to compare business balance transfer card options.
Annual Fee
$0
Purchase APR
11.49% to 21.49% variable
Balance transfer APR
0% intro for the first 13 billing cycles (then 11.49% to 21.49% variable)
Welcome offer
N/A
Estimated welcome offer value
Rewards
N/A
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.
The PNC BusinessOptions® Visa Signature® Credit Cards flexible reward structure allows you to earn up to 1.5% cash back, 5x points or 1x miles on your business spending depending on your preferences. This card also offers a large signup bonus of $750 after you spend $25,000 within your first 3 billing cycles of account opening.
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. Bear in mind that this cards annual fee is rather hefty if you cant meet the spending requirements for a waiver. If you are still getting your business off the ground, have a look at business cards suited for startups and small businesses.
Annual Fee
$0 intro annual fee for the first year ($500 thereafter)
Purchase APR
12.49% to 18.49% variable
Balance transfer APR
12.49% to 18.49% variable
Welcome offer
$750 after spending $25,000 in the first 3 billing cycles
For an easier time comparing these PNC business cards, htave a look below to check out each card’s major features side-by-side.
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
No personal liability or security deposit needed - your personal credit score won't be affected
Minimum of $100,000 of funds in corporate bank account and US EIN required
Earn 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
Get a credit limit 10 to 20 times higher than traditional business cards
No foreign transaction fees
Build business credit - Brex partners with Experian to report your on-time payments
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.
Frequently asked questions
Four PNC cards come with no annual fee:
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Points® Visa® Business Credit Card
PNC Travel Rewards Visa® Business Credit Card
PNC Visa® Business Credit Card
PNC’s cashback rewards cards are
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Points® Visa® Business Credit Card
PNC BusinessOptions® Visa Signature® Credit Card
Yes. But watch out for both fees and an increased variable APR on cash advances.
Yes, PNC automates conditional approval online, which means you could see approval in minutes.
Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.
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