Best PNC Business Credit Cards

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

• 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

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

• 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

• 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

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

Overview

Card Details

• Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
• Earn 3% cash back on eligible purchases at gas 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 purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
• Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
• 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.

Additional Features

• 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

Overview

Card Details

• 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, 16.74% – 28.49%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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. Learn More.

Additional Features

• 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 Card BEST FOR: Those who want daily or monthly payments
Spending Limit	Load Limit
For those who pay daily: The Brex Card is related directly to the balance in your Brex Business Account—up to 100% of your balance if you’re using a Brex Business Account. For those who pay monthly: If you have a Brex Business Account on top of your Brex Card with monthly payments, your limit will be up to 30% of your Brex Business Account balance or up to 20% of your external bank’s cash balance.	For those who pay daily: 100% of your Brex Business Account balance; connected bank accounts won’t be taken into consideration For those who pay monthly: 5% to 20% of your aggregate bank balance plus 30% of your Brex Business Account Cash balance
Costs
Doesn’t charge additional fees for purchases and the creation of physical and virtual cards
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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)

PNC Bank is located in Washington, D.C., and 28 states:

1. Alabama
2. Arizona
3. California
4. Colorado
5. Delaware
6. Florida
7. Georgia
8. Illinois
9. Indiana
10. Kansas
11. Kentucky
12. Maryland
13. Massachusetts
14. Michigan
15. Minnesota
16. Missouri
17. New Jersey
18. New Mexico
19. New York
20. North Carolina
21. Ohio
22. Pennsylvania
23. South Carolina
24. Tennessee
25. Texas
26. Virginia
27. West Virginia
28. 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.