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 October 23rd, 2019
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 12.99% to 21.99% variable)
$0
Earn 5x points on all purchases.
PNC Visa® Business Credit Card
PNC Visa® Business Credit Card
N/A
11.99% to 21.99% 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
12.99% to 18.99% 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 12.99% to 21.99% 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
12.99% to 21.99% 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

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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 $200 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 5x points on all 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 12.99% and 21.99%. 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.

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

Enjoy an intro APR and low ongoing rates.

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 12.99% and 21.99%, 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.

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 12.99% and 21.99%.

Consider this business rewards card

Universal Premium Mastercard®

  • Accepted at nearly 160,000 fueling locations throughout the United States
  • Choose the most convenient and cost saving sites for your business
  • Prevent unwanted non-fuel spending by limiting purchases only to the pump
  • Open cards to make purchases at over 400,000 maintenance locations
  • Save up to 6¢ per gallon with volume rebates on purchases within the Retail Savings network
  • Save up to 15% on fuel management costs
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Compare business credit cards

Updated October 23rd, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.74% to 22.74% variable
$95
100,000 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®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees
2% cash back on all purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $5,000 in the first 3 months, plus $1,500 after spending $50,000 in the first 6 months.
1.5% cash back on all purchases
0% intro for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases.
5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases
0% intro for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Earn 5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases.
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
15.99% to 23.99% variable
$295
Up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months, offer ends November 6, 2019. Rates & fees
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
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 50,000 points after spending an additional $15,000 on purchases in the first 3 months from account opening. Rates & fees
1.5% cash back on all purchases
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
N/A
0% intro for the first 12 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
1% cash back on all purchases
24.74% variable
$0
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
3x points in a chosen category and 1x points on all other purchases
0% intro for the first 9 billing cycles (then 14.24% to 25.24% variable)
$0
Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days after opening your account. Rates & Fees
2x points in the category you spend the most each month - gas stations, office supply stores or airlines, plus on cellular providers and 1x on all other purchases
14.24% to 25.24% variable
$0 intro annual fee for the first year ($55 thereafter)
Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening. Rates & Fees
2x points in the two categories you spend the most in each month and 1x points on all other purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases. Rates & Fees
1.5% discount when you pay early
N/A
$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. Rates & fees
3x points at U.S. restaurants and direct hotel and airfare purchases on up to $50,000 (then 1x), 2x points on purchases through Amex Travel and 1x points on all other purchases
N/A
$95
Earn 3x points at U.S. restaurants and direct hotel and airfare purchases on up to $50,000 (then 1x), 2x points on purchases through Amex Travel and 1x points on all other purchases. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.49% to 26.49% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
2x points on Southwest Airlines and 1x points on all other purchases
17.74% to 24.74% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
17.74% to 24.74% variable
$199
Earn 70,000 points when you spend $5,000 on purchases in the first 3 months.
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
17.49% to 26.49% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.49% to 26.49% 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. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$195
Earn 35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 after making a direct Delta purchase in the same timeframe. Rates & fees
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$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
N/A
$0
60-day interest-free financing for e-commerce businesses.
2x miles at restaurants, gas stations and office supply stores, 2x miles on United and 1x miles on all other purchases
17.74% to 24.74% variable
$95
Earn 50,000 miles after spending $5,000 in the first 3 months. Earn another 50,000 miles after spending $25,000 total in the first 6 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?

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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