Best PNC Business Credit Cards for 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
PNC Bank has a total of five business credit cards, including those that offer an interest-free financing period, no annual fee, and cash back, travel, and points rewards. This provider’s cards are ideal for business owners needing to carry a balance, as they come with low ongoing annual percentage rates (APRs). However, the best PNC business credit card for you depends on what your business needs the most.
To see how these cards stack up against others we reviewed on our site, simply click Add to Compare on a card below and choose up to two additional cards for comparison.
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
PNC Visa® Business Credit Card
Intro APR
0% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
12.24% to 22.24% variable
Annual Fee
None
Credit Needed
Good to Excellent
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- Low ongoing APR
- No annual fee
- With an interest-free financing option on balance transfers
Cons
- No interest-free financing option on purchases
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- 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% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
12.24% to 22.24% variable
Annual Fee
None
Credit Needed
Good to Excellent
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- Low ongoing APR
- No annual fee
- With an interest-free financing option on balance transfers
Cons
- No interest-free financing option on purchases
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- 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.
PNC points® Visa® Business Credit Card
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
13.24% to 22.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- No annual fee
- Unlimited 5 points per dollar on all eligible purchases
- Online account management tools allow you to manage your business credit card activity
Pros
- No annual fee
- Low ongoing APR
- Ongoing rewards
Cons
- Short 0% APR period
- Rewards do expire
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- 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
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
13.24% to 22.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- No annual fee
- Unlimited 5 points per dollar on all eligible purchases
- Online account management tools allow you to manage your business credit card activity
Pros
- No annual fee
- Low ongoing APR
- Ongoing rewards
Cons
- Short 0% APR period
- Rewards do expire
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.
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
13.24% to 22.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 1 mile for every $1 in eligible net purchases
- No limit to the number of miles you can earn
- Earn double miles on the first $2,500 in eligible net purchases
- Book your own travel, then redeem miles for a statement credit
Pros
- No annual fee
- Low ongoing APR
- No foreign transaction fee
Cons
- No 0% APR period
- Low ongoing rewards
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- 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
13.24% to 22.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 1 mile for every $1 in eligible net purchases
- No limit to the number of miles you can earn
- Earn double miles on the first $2,500 in eligible net purchases
- Book your own travel, then redeem miles for a statement credit
Pros
- No annual fee
- Low ongoing APR
- No foreign transaction fee
Cons
- No 0% APR period
- Low ongoing rewards
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.
PNC BusinessOptions® Visa Signature® Credit Card
Intro APR
N/A
Regular APR
13.24% to 19.24% variable
Annual Fee
$0 to $500, based on annual net purchases
Credit Needed
Good to Excellent
- Annual fee is based on the annual total of net purchases for the previous 12 billing cycles
- 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
- No foreign transaction fee
- Expense allocation features provided by the Advanced Reporting Tool
Pros
- Option to carry a balance or pay in full
- No foreign transaction fee
- Three different reward options available
Cons
- Annual fee is based on yearly expenses
- Low cash back rewards for pay-in-full option
- High spending requirement for 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
13.24% to 19.24% variable
Annual Fee
$0 to $500, based on annual net purchases
Credit Needed
Good to Excellent
- Annual fee is based on the annual total of net purchases for the previous 12 billing cycles
- 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
- No foreign transaction fee
- Expense allocation features provided by the Advanced Reporting Tool
Pros
- Option to carry a balance or pay in full
- No foreign transaction fee
- Three different reward options available
Cons
- Annual fee is based on yearly expenses
- Low cash back rewards for pay-in-full option
- High spending requirement for 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.
How To Choose the Right PNC Business Credit Card
PNC business credit cards have low ongoing APRs, so they’re generally best for businesses that need to carry a balance. Most offer ongoing rewards and have no annual fees. The best PNC business credit card for you depends on your spending habits, rewards preference, and whether you need a zero-interest financing option.
Here are a few important things to consider when choosing the right PNC business credit card for your business.
1. Your Preferred Rewards
The type of rewards you want to earn will determine which PNC business credit card is the best option for your business. You can earn cash back, travel rewards, or points-based rewards:
- PNC Travel Rewards Visa® Business Credit Card: Travel rewards
- PNC Cash Rewards® Visa Signature® Business Credit Card: Cash back rewards
- PNC points® Visa® Business Credit Card: Points rewards
- PNC BusinessOptions® Visa Signature® Credit Card: Choose the type of rewards to earn
2. Annual Expenses
Your annual expenses are a crucial factor that can help you decide which PNC business credit card to choose. If your business typically spends $100,000 or more in a year, you may benefit most from the PNC BusinessOptions® Visa Signature® Credit Card. However, choose another PNC credit card if your expenses are less than $100,000 so that you can save on annual fees.
3. Payment Habits
The PNC business credit cards come with low ongoing APRs compared to most other business credit cards. However, the PNC Visa® Business Credit Card has the lowest APR―12.24% to 22.24%―which is the best option if you need to carry a balance. Take note that this card 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.
4. Interest-Free Financing Options
If you need a zero-interest financing period on purchases, consider the PNC Cash Rewards® Visa Signature® Business Credit Card, which offers a 0% introductory APR on purchases for the first nine billing cycles. Meanwhile, if you need to transfer a balance from another card, consider the PNC Visa® Business Credit Card, which comes with a 0% APR on balance transfers for the first 13 billing cycles.
Meanwhile, if you want a no-interest financing period on both purchases and balance transfers, the best option would be the PNC points® Visa® Business Credit Card. It offers a 0% APR on purchases and balance transfers for the first nine billing cycles after opening an account.
5. Sign-up Bonus
There are only two PNC business credit cards that offer a sign-up bonus. If you can spend at least $3,000 during the first three months, consider the PNC Cash Rewards® Visa Signature® Business Credit Card, which offers a $400 bonus. The PNC BusinessOptions® Visa Signature® Credit Card offers 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 Sign-up Bonus
Who Is the PNC Cash Rewards® Visa Signature® Business Credit Card Best For?
The PNC Cash Rewards® Visa Signature® Business Credit Card is best for business owners wanting to earn unlimited 1.5% cash back on all purchases and a sign-up bonus. You’ll receive a $400 cash bonus when you spend at least $3,000 within the first three months after opening an account. You can redeem your cash back as a statement credit or a deposit into an eligible PNC Business checking or savings account.
The card has no annual fee and offers a 0% APR period on purchases for the first nine billing cycles after opening an account. It made our list of the best business credit cards with 0% APR, and it also comes with a low ongoing APR. However, if you need to transfer a balance from another credit card, you may benefit more from the PNC Visa® Business Credit Card.
Why We Like the PNC Cash Rewards® Visa Signature® Business Credit Card
- Unlimited cash back: Earn 1.5% cash back on all purchases, with no limits on the amount of cash back you earn.
- Sign-up bonus: Receive a sign-up bonus of $400 after you meet the spending requirements.
- No annual fee: Earn cash back on your purchases without having to pay an annual fee—this lowers your overall credit cost.
- Low ongoing APR: Take advantage of a low APR ranging from 13.24% to 22.24%, based on your creditworthiness. This is a good option if you need to carry a balance.
- Visa Signature® benefits: Enjoy benefits offered by Visa, including the following:
- Lost Luggage Reimbursement
- Travel Accident Insurance
- Auto Rental Collision Damage Waiver
- Roadside Dispatch®
- Lost/Stolen Card Reporting
- Purchase Security and Extended Protection
- Emergency Card Replacement
- Emergency Cash Disbursement
- Travel and Emergency Assistance Services
- Visa Signature Concierge
What’s Missing From the PNC Cash Rewards® Visa Signature® Business Credit Card
While the PNC Cash Rewards® Visa Signature® Business Credit Card offers a no-interest financing period on purchases, it doesn’t have a 0% APR option on balance transfers. Also, its 0% APR period on purchases is only for nine billing cycles, which is shorter than most cash back business credit cards. On top of that, it charges a foreign transaction fee for purchases made outside the United States, which means it may not be a good option if you travel abroad frequently.
PNC Visa® Business Credit Card: Best for Carrying a Balance
Who Is the PNC Visa® Business Credit Card Best For?
The PNC Visa® Business Credit Card is best for business owners who need to carry a balance because it comes with a low ongoing APR that ranges from 12.24% to 22.24%. This is also a good option for business owners who need to transfer a balance from another credit card because it offers a 0% APR period on balance transfers for the first 13 billing cycles after opening an account. These are the reasons why it’s one of our leading business credit cards for balance transfers.
While this card offers a low APR and a long zero-interest introductory period for balance transfers, it doesn’t offer a sign-up bonus or ongoing rewards. If you want to earn rewards, consider the PNC Cash Rewards® Visa Signature® Business Credit Card or PNC points® Visa® Business Credit Card.
Why We Like the PNC Visa® Business Credit Card
- Low ongoing APR: Carry a balance and enjoy a low ongoing APR ranging from 12.24% to 22.24% (the lowest on this list), which will vary based on your creditworthiness.
- No annual fee: Reduce your overall credit cost by not having to pay an annual fee.
- Long 0% APR period on balance transfers: Transfer a balance from another credit card to consolidate your debt and take advantage of the 0% APR on balance transfers for the first 13 billing cycles. This is longer than what most other business credit cards offer.
- Visa benefits: Take advantage of Visa benefits, such as extended warranty and purchase security.
What’s Missing From the PNC Visa® Business Credit Card
The PNC Visa® Business Credit Card doesn’t have a sign-up bonus and ongoing rewards. While it offers a 0% APR period on balance transfers, it doesn’t provide a zero-interest financing option on purchases, which is a disadvantage if you plan to use the card to make a large purchase.
PNC points® Visa® Business Credit Card: Best for 0% APR on Both Purchases & Balance Transfers
Who Is the PNC points® Visa® Business Credit Card Best For?
The PNC points® Visa® Business Credit Card is best for business owners needing to make a large purchase or transfer a balance from another account. It offers 0% APR on both balance transfers and purchases for the first nine billing cycles. Plus, it offers an unlimited 5x points on every dollar spent on eligible purchases, which you can redeem as cash or use for travel, hotel stays, merchandise, or gift cards.
With this card, you won’t need to keep track of spending categories to earn rewards, and there’s no limit to the number of points you can earn. However, if you prefer to earn cash back rewards and a sign-up bonus instead of points rewards, you may benefit more from the PNC Cash Rewards® Visa Signature® Business Credit Card.
Why We Like the PNC points® Visa® Business Credit Card
- Unlimited fixed-rate rewards: Earn 5x points for every dollar you spend on eligible purchases without having to keep track of expense categories.
- No annual fee: Minimize your credit costs while earning points on your purchases because you don’t have to pay an annual fee.
- Low ongoing APR: This card comes with an ongoing APR of 13.24% to 22.24%, which is also great for carrying a balance.
- More redemption options: Redeem your rewards as cash back, or use them for travel, hotel stays, merchandise, or gift cards from Target, Amazon, and Starbucks.
- Visa benefits: Enjoy a variety of Visa benefits, such as extended protection and purchase security.
What’s Missing From the PNC points® Visa® Business Credit Card
The PNC points® Visa® Business Credit Card doesn’t offer a sign-up bonus. Also, while it has a 0% APR period on both balance transfers and purchases, it’s only for nine billing cycles, which is short compared to other business credit cards. Additionally, while you can earn unlimited points, your rewards will expire 48 months from the date they were added if not redeemed.
PNC Travel Rewards Visa® Business Credit Card: Best for Earning Travel Rewards
Who Is the PNC Travel Rewards Visa® Business Credit Card Best For?
The PNC Travel Rewards Visa® Business Credit Card is best for business owners who travel frequently. It charges no foreign transaction fees and provides 1x mile per dollar spent on all eligible purchases. As a special offer, you’ll earn double miles on your first $2,500 qualifying net purchases. You can book your own travel and redeem miles as a statement credit.
It’s important to note that this card doesn’t offer a 0% introductory APR on either balance transfers or purchases. If you need an interest-free financing period, the PNC points® Visa® Business Credit Card may be more useful for you. For other business travel credit card options, check out our top cards for travel and for leading cards for miles.
Why We Like the PNC Travel Rewards Visa® Business Credit Card
- No annual fee: Earn unlimited travel rewards without having to pay an annual fee, reducing your overall credit cost.
- Low ongoing APR: Carry a balance and enjoy a low ongoing APR.
- No foreign transaction fee: Use this credit card to make purchases outside the United States without having to pay foreign transaction fees.
- Unlimited fixed-rate rewards: Earn unlimited 1x mile per dollar spent on qualifying purchases.
- Introductory rewards: Earn 2x miles on your first $2,500 purchases.
- Visa benefits: Enjoy the benefits of a Visa card for added convenience, including extended protection and purchase security.
What’s Missing From the PNC Travel Rewards Visa® Business Credit Card
The PNC Travel Rewards Visa® Business Credit Card doesn’t have an interest-free period on either balance transfers or purchases. Further, while it offers 2x miles on the first $2,500 in eligible purchases, the ongoing rewards of 1x mile per dollar are lower compared to other travel business credit cards.
PNC BusinessOptions® Visa Signature® Credit Card: Best for Businesses With Significant Annual Expenses
Who Is the PNC BusinessOptions® Visa Signature® Credit Card Best For?
The PNC BusinessOptions® Visa Signature® Credit Card is best for business owners with significant annual expenses because its annual fee, which ranges from $0 to $500, will depend on how much you can spend in a year. It’s also a great option if you want the flexibility to choose your own rewards depending on what your business needs. You can choose from earning cash back, points, or travel rewards.
This is the only PNC business credit card that charges an annual fee, which will vary based on your annual expenses. If you spend at least $100,000 in a year, your annual fee will be waived. If you cannot spend this much, it’s better to consider other PNC credit cards like the PNC points® Visa® Business Credit Card or PNC Cash Rewards® Visa Signature® Business Credit Card.
Why We Like the PNC BusinessOptions® Visa Signature® Credit Card
- Flexible rewards options: Choose what type of rewards you want to earn—cash back, travel rewards, or points rewards.
- Option to carry a balance or pay in full: Choose to either carry a balance, with an APR ranging from 13.24% to 19.24%, or pay your balance in full each month and enjoy a credit limit of up to $250,000.
- Sign-up bonus: Earn a $750 statement credit when you make at least $25,000 in qualifying purchases during the first three billing cycles after opening an account.
- No foreign transaction fee: Use this card to make purchases outside of the United States without having to worry about foreign transaction fees.
- Waived annual fee when you meet the spending threshold: Your annual fee is waived if you spend $100,000 or more in a year. Else, you’ll be charged an annual fee as follows:
- $500: for expenses between $0 to $49,999.99
- $250 for expenses between $50,000 to $74,999.99
- $125 for expenses between $75,000 to $99,999.99
- Visa Signature® Benefits: Enjoy Visa benefits, including:
- Lost Luggage Reimbursement
- Travel Accident Insurance
- Auto Rental Collision Damage Waiver
- Roadside Dispatch®
- Lost/Stolen Card Reporting
- Purchase Security and Extended Protection
- Emergency Card Replacement
- Emergency Cash Disbursement
- Travel and Emergency Assistance Services
- Visa Signature Concierge
What’s Missing From the PNC BusinessOptions® Visa Signature® Credit Card
The PNC BusinessOptions® Visa Signature® Credit Card doesn’t offer a 0% introductory APR on either balance transfers or purchases. Further, if you choose the pay-in-full option with cash back rewards, you’ll only earn 1% cash back on your purchases (while the revolving option offers 1.5% cash back). In addition, while this card provides flexibility for business owners with more complex needs, it’s generally more costly, especially for very small businesses.
Bottom Line
PNC Bank offers low-interest business credit cards that are ideal for business owners who may need to carry a balance. Some of these cards offer cash back, travel rewards, and points rewards. Each comes with different introductory and ongoing rewards, fees, APRs, and other benefits. The best PNC business credit card will depend on your annual expenses, what type of rewards you want, or if you need to carry a balance.
Visit our credit card marketplace and see our guide on the best small business credit cards to find other options.
