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PNC Bank has five business credit cards ideal for business owners who want to save on credit costs. They come with $0 annual fees and relatively low APRs annual percentage rates . You have the option to earn cash back, points, or travel rewards, or take advantage of a long 0% introductory APR on balance transfers. When choosing the best PNC business credit card for your company, consider your business’s unique needs and preferences.
Note: To qualify for any of the best PNC business credit cards, you need to have a good or excellent credit score. All of the best PNC credit card options listed carry $0 annual fees.
Here are the five best PNC business credit cards:
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for earning unlimited cash back and a welcome offer
- PNC Visa® Business Credit Card: Best for carrying a balance and 0% APR on purchases and balance transfers
- PNC points® Visa® Business Credit Card: Best for earning points rewards with 0% APR on both purchases and balance transfers
- PNC Travel Rewards Visa® Business Credit Card: Best for earning travel rewards
- PNC BusinessOptions® Visa Signature® Credit Card: Best for businesses with significant annual expenses
Overview of the Best PNC Business Credit Cards for 2024
Best For | Ongoing Rewards | |||
|---|---|---|---|---|
 PNC Cash Rewards® Visa Signature® Business Credit Card | Earning unlimited cash back and a welcome offer | $600 bonus | 1.5% cash back on all eligible purchases | |
 PNC Visa® Business Credit Card | Carrying a balance and 0% APR on purchases and balance transfers | None | None | |
 PNC points® Visa® Business Credit Card | Earning points rewards with 0% APR on both purchases and balance transfers | None | 5× points per dollar on all eligible transactions | |
 PNC Travel Rewards Visa® Business Credit Card | Earning travel rewards | Double Miles | 1× mile per dollar on all eligible transactions | |
 PNC BusinessOptions® Visa Signature® Credit Card | Businesses with significant annual expenses | $750 statement credit | Up to 1.5% cash rebates, 5× points per dollar, or 1× mile per dollar on qualifying net purchases |
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
How to Choose the Best PNC Bank Business Credit Card
PNC business credit cards come with $0 annual fees and either ongoing rewards or 0% introductory APR periods. To choose the best PNC business credit card for your business, take your spending habits, rewards preference, and whether you need a zero-interest financing option into account.
The type of rewards you want to earn will determine the best PNC Bank business credit card for your business. You can earn cash back, travel rewards, or points-based rewards. You also have the option to choose your preferred rewards.
- PNC Travel Rewards Visa® Business Credit Card: Travel miles
- PNC Cash Rewards® Visa Signature® Business Credit Card: Cash back
- PNC points® Visa® Business Credit Card: Points rewards
- PNC BusinessOptions® Visa Signature® Credit Card: Choose from either cash back, points, or miles
Your annual expenses are a crucial factor that can help you decide which of the best PNC business credit cards to choose from. If your business typically spends up to $50,000 or $250,000 in a year, you may benefit most from the PNC BusinessOptions® Visa Signature® Credit Card as these are the maximum credit limits you can get, depending on your chosen payment frequency.
PNC Bank business credit cards have relatively low ongoing APRs compared with most other business credit cards. However, PNC Visa® Business Credit Card offers the lowest minimum regular APR among the listed cards—although it doesn’t offer ongoing rewards.
If you have large expenses and can pay your balance in full each month, consider the PNC BusinessOptions® Visa Signature® Credit Card. It offers a pay-in-full option with a high credit limit of up to $250,000.
If you need a zero-interest financing period, here are your options:
- PNC Cash Rewards® Visa Signature® Business Credit Card: 0% introductory APR on purchases for the first nine billing cycles
- PNC Visa® Business Credit Card: 0% APR on purchases and balance transfers for the first 13 billing cycles
- PNC points® Visa® Business Credit Card: 0% APR on both purchases and balance transfers for the first nine billing cycles after opening an account
Three PNC business credit cards come with a welcome offer:
- PNC Cash Rewards® Visa Signature® Business Credit Card: Spend at least $6,000 during the first three months and receive a $600 bonus
- PNC Travel Rewards Visa® Business Credit Card: Double miles on your first $2,500 in eligible net purchases
- PNC BusinessOptions® Visa Signature® Credit Card: Get a $750 bonus if you can spend at least $25,000 in the first three months after opening an account
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Earning Unlimited Cash Back & a Welcome Offer
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn fixed-rate cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
19.24% to 29.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn a $600 bonus when you open and start using a new PNC Cash Rewards® Visa Signature® Business Credit Card.
- Enjoy unlimited 1.5% cash back on all purchases with no cap.
- You can redeem your cash back as a statement credit or deposit it into an eligible PNC Business checking or savings account.
- Plus, add employee cards for free and earn cash back on their business spending as well.
Pros
- Charges $0 annual fees
- Welcome offer
- Has a low regular APR for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Charges 3% foreign transaction
- Requires having an active PNC Bank account
- Cash Flow Insight®: You can manage your cash flow, send invoices via email, pay online, and handle payables digitally with this online account management tool.
- Overdraft protection: You can set up a PNC business credit card as overdraft protection for your PNC business checking account to help ensure you have enough funding for unexpected expenses.
- Account view: You can manage employee purchases and monitor cash flow by checking your current balance, viewing pending transactions online, and setting individual spending limits for employee cards.
- VISA Signature benefits: You can have 24/7 concierge service, travel protections like rental car insurance and lost luggage reimbursement, cellphone protection, purchase protections, and access to exclusive offers.
Intro APR
0% for 9 billing cycles
Regular APR
19.24% to 29.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn a $600 bonus when you open and start using a new PNC Cash Rewards® Visa Signature® Business Credit Card.
- Enjoy unlimited 1.5% cash back on all purchases with no cap.
- You can redeem your cash back as a statement credit or deposit it into an eligible PNC Business checking or savings account.
- Plus, add employee cards for free and earn cash back on their business spending as well.
Pros
- Charges $0 annual fees
- Welcome offer
- Has a low regular APR for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Charges 3% foreign transaction
- Requires having an active PNC Bank account
- Cash Flow Insight®: You can manage your cash flow, send invoices via email, pay online, and handle payables digitally with this online account management tool.
- Overdraft protection: You can set up a PNC business credit card as overdraft protection for your PNC business checking account to help ensure you have enough funding for unexpected expenses.
- Account view: You can manage employee purchases and monitor cash flow by checking your current balance, viewing pending transactions online, and setting individual spending limits for employee cards.
- VISA Signature benefits: You can have 24/7 concierge service, travel protections like rental car insurance and lost luggage reimbursement, cellphone protection, purchase protections, and access to exclusive offers.
Best Features
The PNC Cash Rewards® Visa Signature® Business Credit Card lets you earn fixed-rate cash back rewards on all eligible purchases across all spending categories. Plus, if you can make at least $6,000 in net purchases in the first three months, you’ll receive a $600 bonus as a welcome offer. It also comes with 0% purchase APR for the first nine billing cycles after account opening.
- 1.5% cash back on all purchases, regardless of spending categories
- $0 annual fees
- Cash Flow Insight® lets you monitor your business spending so you can plan your budget strategically
- Visa Signature® benefits, including the following:
- Zero liability fraud protection
- Extended warranty protection
- Purchase security
- Auto rental collision damage waiver
- Roadside dispatch®
- Lost/stolen card reporting
- Purchase security and extended protection
- Lost luggage reimbursement
- Emergency card replacement
- Emergency cash disbursement
- Travel accident insurance
- Travel and emergency assistance services
- Visa signature concierge
- Overdraft protection for your business checking account to avoid getting overdrafts
PNC Visa® Business Credit Card: Best for Carrying a Balance & 0% APR on Purchases & Balance Transfers
PNC Visa® Business Credit Card
BEST FOR:
Existing PNC Bank account holders that need to carry a balance
Intro APR
0% on purchases and balance transfers for the first 13 billing cycles
Regular APR
17.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- $0 annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- $0 annual fee
- With an interest-free financing option on balance transfers
- 0% introductory APR useful for big purchases
- Easy to manage via account view
Cons
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- With a high penalty interest rate
- Cash Flow Insight®: Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
- Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling.
- Roadside Dispatch®: A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
- Overdraft protection: You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.
Intro APR
0% on purchases and balance transfers for the first 13 billing cycles
Regular APR
17.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- $0 annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- $0 annual fee
- With an interest-free financing option on balance transfers
- 0% introductory APR useful for big purchases
- Easy to manage via account view
Cons
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- With a high penalty interest rate
- Cash Flow Insight®: Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
- Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling.
- Roadside Dispatch®: A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
- Overdraft protection: You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.
Best Features
The PNC Visa® Business Credit Card comes with 0% APR on both balance transfers and purchases for the first 13 billing cycles, making it ideal for those who need to consolidate debt or make a substantial purchase. After the introductory period, the regular APR is relatively lower than most other cards on this list.
The card does not offer any rewards. The main benefit of this card is its 13-month-long 0% APR.
- $0 annual fee
- Visa benefits such as zero liability fraud protection, extended warranty, and purchase security
- Account view lets you manage employee purchases and monitor cash flow. In particular, you can do the following:
- Check current balance and view pending transactions
- Set individual spending limits
- Add, activate, or close cards
- Make electronic payments or schedule recurring payments
- Gain access to up to 13 months’ worth of transaction detail
- Download transactions into Excel, Quicken, or QuickBooks, or use CSV files
- Cash Flow Insight® allows you to take control of your business’s expenses with the Spend Analysis tool to monitor your spending
- Overdraft protection—you can protect your business checking account against overdrafts when your account balance is not sufficient to cover your checking transactions
PNC points® Visa® Business Credit Card: Best for Earning Points Rewards with 0% APR on Both Purchases & Balance Transfers
PNC points® Visa® Business Credit Card
BEST FOR:
Those who need to carry a balance
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
20.24% to 29.49 variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.
Pros
- Low ongoing APR
- Unlimited five points for every dollar spent on business-related purchases
- Does not charge an annual fee
Cons
- Short interest-free financing option on both purchases and balance transfers
- Points expire on the 48th month after the month in which they were posted to your points account
- Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor
- Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
- Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
20.24% to 29.49 variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.
Pros
- Low ongoing APR
- Unlimited five points for every dollar spent on business-related purchases
- Does not charge an annual fee
Cons
- Short interest-free financing option on both purchases and balance transfers
- Points expire on the 48th month after the month in which they were posted to your points account
- Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor
- Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
- Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.
Best Features
With PNC points® Visa® Business Credit Card, you can earn unlimited points rewards that can be redeemed for merchandise, gift cards, travel, and cash back. Plus, you can enjoy interest-free financing on both purchases and balance transfers for the first nine months of account opening. To be eligible for 0% balance transfer APR, the balance transfer transaction must be within the first 90 days following account opening.
- 5× points per dollar for all eligible purchases, regardless of spending categories
- $0 annual fee
- Visa benefits, including extended warranty protection, zero fraud liability protection, and purchase security
- Cash Flow Insight® with the Spend Analysis tool so you can monitor, plan, and budget your business spending
- Account view lets you manage employee purchases and monitor cash flow:
- Check current balance and view pending transactions
- Set individual spending limits
- Add, activate, or close cards
- Make electronic payments or schedule recurring payments
- Access up to 13 months’ worth of transaction detail
- Download transactions into Excel, Quicken, or QuickBooks, or use CSV files
- Overdraft protection—link your PNC business credit card and use it to cover your insufficient balance for your business checking account when needed
PNC Travel Rewards Visa® Business Credit Card: Best for Earning Travel Rewards
PNC Travel Rewards Visa® Business Credit Card
BEST FOR:
Earning fixed-rate rewards for businesses that bank with PNC Bank
Intro APR
N/A
Regular APR
21.24% to 29.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 2x miles on the first $2,500 on eligible net purchases
- Unlimited 1x miles for every dollar on eligible net purchases after the first $2,500
Pros
- Does not charge annual and foreign transaction fees
- Low ongoing APR
Cons
- Does not offer introductory 0% APR on purchases and balance transfers
- Low ongoing rewards
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Accounting system integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- Purchase security: Covers eligible items purchased with this card. Visa® will replace, repair, or reimburse you for items that are damaged or stolen within the first 90 days of purchase.
- Extended protection: Doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.
Intro APR
N/A
Regular APR
21.24% to 29.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 2x miles on the first $2,500 on eligible net purchases
- Unlimited 1x miles for every dollar on eligible net purchases after the first $2,500
Pros
- Does not charge annual and foreign transaction fees
- Low ongoing APR
Cons
- Does not offer introductory 0% APR on purchases and balance transfers
- Low ongoing rewards
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Accounting system integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- Purchase security: Covers eligible items purchased with this card. Visa® will replace, repair, or reimburse you for items that are damaged or stolen within the first 90 days of purchase.
- Extended protection: Doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.
Best Features
The PNC Travel Rewards Visa® Business Credit Card lets you earn miles that can be used to book for travel or as a statement credit. As a welcome offer, you will receive double miles on the first $2,500 worth of purchases. What’s more, it has $0 foreign transaction fees, making it ideal for those who travel abroad frequently.
- 1× mile per dollar for all eligible purchases
- $0 annual fee
- Double miles on your first $2,500 eligible net purchases
- Visa benefits, including extended protection and purchase security
- Account view lets you do the following:
- Check current balance and view pending transactions
- Set individual spending limits
- Add, activate, or close cards
- Make electronic payments or schedule recurring payments
- Access up to 13 months’ worth of transaction details
- Download transactions into Excel, Quicken, QuickBooks, or use CSV files
- Overdraft protection when you link your PNC business credit card to your business checking account and use it to cover your insufficient transactions to avoid overdraft
PNC BusinessOptions® Visa Signature® Credit Card: Best for Businesses With Significant Annual Expenses
PNC BusinessOptions® Visa Signature® Credit Card
BEST FOR:
Those who want the option to either carry a balance or pay in full
Intro APR
N/A
Regular APR
19.49% to 25.49% variable for revolve option; 27.49% variable for pay-in-full
Annual Fee
N/A
Credit Needed
Good to Excellent
- $750 statement credit after making at least $25,000 in qualifying purchases during the first three billing cycles after opening an account
- You can choose to earn either cash rebates, travel rewards, or points rewards
- You can choose either a pay-in-full option with a credit limit up to $250,000 or a revolve option with a credit limit up to $50,000
Pros
- Gives you the option to carry a balance or pay in full.
- Does not charge annual and foreign transaction fees.
- Lets you choose which rewards program is suitable for your business needs.
Cons
- It does not have a 0% introductory annual percentage rate (APR) period on purchases and balance transfers.
- Offers a low cash back rebate for those who choose the pay-in-full option
- Requires a high spending limit to avail the sign-up bonus
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Advanced reporting tool: Enroll in the advanced reporting tool to allocate and analyze expenses.
- All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.
Intro APR
N/A
Regular APR
19.49% to 25.49% variable for revolve option; 27.49% variable for pay-in-full
Annual Fee
N/A
Credit Needed
Good to Excellent
- $750 statement credit after making at least $25,000 in qualifying purchases during the first three billing cycles after opening an account
- You can choose to earn either cash rebates, travel rewards, or points rewards
- You can choose either a pay-in-full option with a credit limit up to $250,000 or a revolve option with a credit limit up to $50,000
Pros
- Gives you the option to carry a balance or pay in full.
- Does not charge annual and foreign transaction fees.
- Lets you choose which rewards program is suitable for your business needs.
Cons
- It does not have a 0% introductory annual percentage rate (APR) period on purchases and balance transfers.
- Offers a low cash back rebate for those who choose the pay-in-full option
- Requires a high spending limit to avail the sign-up bonus
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Advanced reporting tool: Enroll in the advanced reporting tool to allocate and analyze expenses.
- All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.
Best Features
With PNC BusinessOptions® Visa Signature® Credit Card, you can choose a pay-in-full option with a credit limit of up to $250,000 or a revolve option with a credit limit of up to $50,000. Not only that—it also lets you choose the type of rewards you can earn: cash back, miles, or points. This kind of customization lets you maximize the benefits depending on your business’s unique needs.
You can choose from the following rewards:
- Cash Rebates: 1.5% for revolve option; 1% for pay-in-full
- PNC points®: 5× points per dollar for all qualifying purchases
- Travel Rewards: 1× mile per dollar for all qualifying purchases
- $750 in statement credit after spending at least $25,000 in qualifying purchases within the first three billing cycles after account opening
- $0 annual fee
- $0 foreign transaction fee
- High credit limits of up to $50,000 if you choose to carry a balance, or up to $250,000 if you pay your balance in full each month.
- Visa Signature® benefits, including the following:
- Zero fraud liability protection
- Extended warranty protection
- Purchase security
- Auto rental collision damage waiver
- Roadside dispatch®
- Lost/stolen card reporting
- Purchase security and extended protection
- Lost luggage reimbursement
- Emergency card replacement
- Emergency cash disbursement
- Travel accident insurance
- Travel and emergency assistance services
- Visa signature concierge
Alternatives to PNC Business Credit Cards
One major limitation to getting PNC business credit cards is that applications need to be done via call, as the bank is unable to take online applications. Consider the alternative business cards below if you are looking for more convenient options.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why we recommend it:
- $0 annual fee and 0% APR on purchases for the first 12 billing cycles
- $100 annual statement credit for recurring software purchases—this is not present in any of the PNC business credit cards
- ExtendPay Plan lets you pay off your eligible balance over time without interest, just a small monthly fee—this feature is not available with PNC business credit cards
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why we recommend it:
- $0 annual fee and 0% purchase APR for 12 billing cycles
- Automatic cash back of up to 2%—no need for manual redemption
- Expanded Buying Power feature allows you to spend over your credit limit when needed—the amount you can spend varies based on your credit usage, credit history, payment behavior, and other financial factors
 Brex CardBEST FOR: Those who want daily or monthly payments | |
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Why we recommend it:
- Can be used as either a charge card (paid monthly) or a prepaid card (paid daily)
- Up to 7× or 8× points, depending on your payment option and expense categories, which are way higher than what PNC business credit cards offer
- No personal guarantee required, meaning you won’t be personally liable for your business’s financial obligations (note that PNC business credit cards require a personal guarantee)
Frequently Asked Questions (FAQs)
PNC Bank is located in Washington, D.C., and 28 states:
- Alabama
- Arizona
- California
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Missouri
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia
- Wisconsin
You can call (855) 762-2365 between 8:30 a.m. and 8 p.m. Eastern time, Monday through Friday, to talk with a PNC Business Banking representative. Alternatively, you can fill out the contact form and a representative will get back to you within one to two business days.
Yes, PNC Bank will report to major credit bureaus if your account is 30 days past due, which means it can negatively affect your personal credit score when you use the card irresponsibly.
Bottom Line
PNC business credit cards are ideal for business owners wanting to save on credit costs, as all five cards charge $0 annual fees. You can choose from earning cash back, travel rewards, or points. If you don’t mind not earning rewards on your purchases, you can take advantage of a low ongoing APR, so you can carry your balance to the next billing cycle from time to time. Consider your business’s unique needs when selecting the best PNC business credit card for you.
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