Best PNC Business Credit Cards for 2023
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 five business credit cards ideal for business owners needing to carry a balance, as they come with low ongoing annual percentage rates (APRs). You can choose from cards with a long interest-free financing period and cash back, travel, or points rewards. Note that four of these cards don’t charge annual fees. The best PNC business credit card for you depends on your unique needs and preferences.
Here are the five best PNC business credit cards for 2023:
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for earning unlimited cash back and a sign-up bonus
- PNC Visa® Business Credit Card: Best for carrying a balance
- PNC points® Visa® Business Credit Card: Best for 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
PNC Business Credit Cards of 2023 at a Glance
Best For | Annual Fee | Introductory Offer | Ongoing Rewards | |
|---|---|---|---|---|
 PNC Cash Rewards® Visa Signature® Business Credit Card | Earning unlimited cash back and a sign-up bonus | $0 | $400 sign-up bonus and 0% APR on purchases for 9 months | 1.5% cash back on all eligible purchases |
 PNC Visa® Business Credit Card | Carrying a balance | $0 | 0% APR on balance transfer for 13 months | None |
 PNC points® Visa® Business Credit Card | 0% APR on both purchases and balance transfers | $0 | 0% APR on both purchases and balance transfers for the first 9 months | 5x points per dollar on all eligible transactions |
 PNC Travel Rewards Visa® Business Credit Card | Earning travel rewards | $0 | Earn double miles on your first $2,500 in eligible net purchases after opening an account | 1x mile per dollar on all eligible transactions |
 PNC BusinessOptions® Visa Signature® Credit Card | Businesses with significant annual expenses | $0 to $500, based on annual net purchases | $750 statement credit after spending $25,000 in qualifying purchases within the first three months | Up to 1.5% cash rebates, 5x points per dollar, or 1x mile per dollar on qualifying purchases |
Note: To qualify for any of the best PNC business credit cards, you need to have a good to excellent credit score.
PNC business credit cards have low ongoing APRs, so they’re generally best for businesses needing 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 which of the best PNC business credit cards is right for your business.
1. Your Preferred Rewards
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 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: Type of rewards you want to earn
2. Annual Expenses
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 $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 Bank 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―14.49% to 24.49%―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, 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 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
5. Sign-up Bonus
There are only two PNC business credit cards that offer a sign-up bonus:
- PNC Cash Rewards® Visa Signature® Business Credit Card: Spend at least $3,000 during the first three months and receive a $400 bonus
- 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
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Earning Unlimited Cash Back & a Sign-up Bonus
PNC Cash Rewards® Visa Signature® Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
PNC Bank account holders wanting to earn fixed-rate rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% 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
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% 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
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Who Should Consider the PNC Cash Rewards® Visa Signature® Business Credit Card
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 regardless of spending categories. Plus, 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.
Take advantage of 0% APR on purchases: If you plan to make a large purchase, you can pay down your balance within nine billing cycles after opening an account. The card even made our list of the best business credit cards with 0% APR.
Other Benefits of the PNC Cash Rewards® Visa Signature® Business Credit Card
- No annual fee: Earn cash back on your purchases without having to pay an annual fee—this lowers your overall credit cost.
- Cash Flow Insight®: Monitor your business spending so you can plan your budget strategically.
- 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
Due to its unlimited fixed-rate cash rewards, the PNC Cash Rewards® Visa Signature® Business Credit Card is also one of our leading business credit cards with no annual fee and best business cards that don’t report to personal credit.
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. If you need to transfer a balance from another credit card, you may benefit more from the PNC Visa® Business Credit Card.
Also, it charges a foreign transaction fee for purchases made outside the US. This means it may not be a good option if you travel abroad frequently.
PNC Visa® Business Credit Card: Best for Carrying a Balance
PNC Visa® Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who need a low ongoing APR
Intro APR
0% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
14.49% to 24.49% 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
14.49% to 24.49% 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.
Who Should Consider the PNC Visa® Business Credit Card?
The PNC Visa® Business Credit Card is ideal for those who need to carry a balance because it comes with a low ongoing APR that ranges from 14.49% to 24.49%. 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.
Other Benefits of the PNC Visa® Business Credit Card
- No annual fee: Reduce your overall credit cost by not having to pay an annual fee.
- Visa benefits: Take advantage of Visa benefits, such as extended warranty and purchase security.
- Cash Flow Insight®: Take control of your business’s expenses with the Spend Analysis tool to monitor your spending.
Due to its long 0% APR period on balance transfers and low ongoing APR, the PNC Visa® Business Credit Card is named one of our best business credit cards for balance transfers.
What’s Missing From the PNC Visa® Business Credit Card
If you want to earn rewards, consider the other PNC business credit cards on this list, because the PNC Visa® Business Credit Card doesn’t have a sign-up bonus and ongoing rewards. It also 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
PNC points® Visa® Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
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
15.74% to 24.74% 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
- No annual fees
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
15.74% to 24.74% 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
- No annual fees
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.
Who Should Consider the PNC points® Visa® Business Credit Card
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 transfer transactions and purchases for the first nine billing cycles. What’s more, you can earn unlimited 5x points on every dollar spent on eligible purchases, regardless of spending categories.
Combine your points to receive more rewards: If you have a PNC personal credit card, you can combine your points with your PNC business credit card to gain more rewards. Also, you have the option to let employees use points individually or aggregate your rewards at the company level.
Other Benefits of the PNC points® Visa® Business Credit Card
- No annual fee: Minimize your credit costs while earning points on your purchases because you don’t have to pay an annual fee.
- 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.
Are you a non-profit organization? If so, PNC points® Visa® Business Credit Card may be a good fit for you. It’s one of our top-recommended business credit cards for nonprofits because of its generous rewards and reasonable APR.
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
PNC Travel Rewards Visa® Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Earning fixed-rate rewards for businesses that bank with PNC Bank
Intro APR
N/A
Regular APR
15.74% to 24.74% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 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
- Online application is not available for non-account holders
- 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
15.74% to 24.74% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 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
- Online application is not available for non-account holders
- 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.
Who Should Consider the PNC Travel Rewards Visa® Business Credit Card
The PNC Travel Rewards Visa® Business Credit Card is best for business owners who travel frequently. It charges no foreign transaction fees and provides unlimited 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 your miles as a statement credit. You can also allow your employees to redeem miles or aggregate your rewards at the company level.
Other Benefits of 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.
- No foreign transaction fee: Use this credit card to make purchases outside the United States without having to pay foreign transaction fees.
- Visa benefits: Enjoy the benefits of a Visa card for added convenience, including extended protection and purchase security.
For other business travel credit card options, check out our top cards for travel and leading cards for miles.
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—if you need to finance a large purchase, consider the PNC points® Visa® Business or PNC Cash Rewards® Visa Signature® Business cards.
Also, while PNC Travel Rewards Visa® Business Credit Card offers 2x miles on the first $2,500 in eligible purchases, the ongoing rewards of 1x mile per dollar are lower compared to most other travel business credit cards.
PNC BusinessOptions® Visa Signature® Credit Card: Best for Businesses With Significant Annual Expenses
PNC BusinessOptions® Visa Signature® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want the option to either carry a balance or pay in full
Intro APR
N/A
Regular APR
15.49% to 21.49% 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
15.49% to 21.49% 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.
Who Should Consider the PNC BusinessOptions® Visa Signature® Credit Card
The PNC BusinessOptions® Visa Signature® Credit Card is designed 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. This is the only PNC business credit card that charges an annual fee—the higher your annual card transactions, the lower your annual fee will be.
Annual Total of Net Purchases | Annual Fee |
|---|---|
$0 to $49,999.99 | $500 |
$50,000 to $74,999.99 | $250 |
$75,000 to $99,999.99 | $125 |
Over $100,000 | $0 |
Do you want to choose your preferred rewards? The PNC BusinessOptions® Visa Signature® Credit Card is a great option if you want the flexibility of selecting your own rewards depending on what your business needs. You can choose from earning cash back, points, or travel rewards.
Other Benefits of the PNC BusinessOptions® Visa Signature® Credit Card
- Option to carry a balance or pay in full: Choose to either carry a balance with a credit limit of up to $50,000 or pay your balance in full each month and enjoy a credit limit of up to $250,000.
- Flexible rewards options: Choose what type of rewards you want to earn—up to 1.5% cash back, 1x mile per dollar, or 5x points per dollar. The revolve option offers 1.5% cash back on all transactions, while the pay-in-full option offers 1% cash back on all purchases. The points and travel rewards are the same for both payment options.
- No foreign transaction fee: Use this card to make purchases outside of the United States without having to worry about foreign transaction fees.
- 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. And while it provides flexibility for business owners with more complex needs, it’s generally more costly, especially for very small businesses that don’t have a big amount of annual expenses.
Bottom Line
PNC Bank offers business credit cards that are ideal for business owners wanting to keep their business and personal transactions separate because the issuer doesn’t report your business transactions to personal credit. When choosing from the best PNC business credit cards, you need to consider your annual expenses, what type of rewards you want, or if you need to carry a balance. For other options, see our list of the best small business credit cards.
