PNC Cash Rewards® Visa Signature® Business Credit Card is designed for business owners who want unlimited 1.5% fixed-rate cash back regardless of spending categories. It offers fixed-rate cash back rewards and charges $0 annual fees. Note, however, that it charges foreign transaction fees and has a high penalty interest rate.
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.
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 27.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 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
- Charges $0 annual fees
- Has a sign-up bonus
- Has a low regular annual percentage rate (APR) for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
Intro APR
0% for 9 billing cycles
Regular APR
19.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 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
- Charges $0 annual fees
- Has a sign-up bonus
- Has a low regular annual percentage rate (APR) for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
When grading fixed-rate cash back business credit cards like the PNC Cash Rewards® Visa Signature® Business Credit Card, we first consider the ongoing and introductory rewards. We also consider the annual fee, introductory and ongoing APRs, and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 30 |
Introductory Rewards | 15 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 10 | 15 |
Introductory APR | 5 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 73 | 100 |
Who the PNC Cash Rewards® Visa Signature® Business Credit Card Is Best For
- Those who prefer to earn fixed-rate rewards: You can earn unlimited 1.5% cash back on all business-related purchases, regardless of spending categories.
- Those who have an existing business checking account with PNC Bank: You can link your card to your PNC business checking account for overdraft protection and to redeem your cash back as a deposit to your account. You may check our review of the PNC Bank business checking account to check its features and business products.
Check out our recommended alternatives below if this card isn’t what you’re looking for.
PNC Cash Rewards® Visa Signature® Business Credit Card Rewards
- $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- Unlimited 1.5% cash back on all eligible net purchases, with no limits on the amount of cash back earned
PNC Cash Rewards® Visa Signature® Business Credit Card Calculator
Find out how much you can earn from the PNC Cash Rewards® Visa Signature® Business Credit Card based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
How To Redeem PNC Cash Rewards® Visa Signature® Business Credit Card Rewards
You can redeem your cash back anytime as a statement credit or as a deposit into an eligible PNC business checking or savings account. It’ll take seven business days after receiving a valid redemption request for the cash back to be credited to your billing statement or deposit account. It’s important to note that statement credits aren’t considered a payment on the account and that you still need to make at least your minimum payment to avoid penalties.
PNC Cash Rewards® Visa Signature® Business Credit Card Features
Features From PNC Bank
- Cash Flow Insight®: An online account management suite designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally. When enrolling for this feature, it’ll assign business categories automatically to your credit card transactions, allowing you to monitor the expenses you and your employees are spending on so that you can plan a budget for your future business needs.
- Account view: This can help check your current balance, view pending transactions, set individual spending limits for each employee card, make electronic payments, and schedule recurring payments.
Features From Visa Signature
- 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.
- Lost luggage reimbursement: You can receive reimbursement of up to $3,000 per covered trip, and up to $2,000 per covered trip for New York residents in the event your checked luggage and/or carry-on baggage and/or its contents were lost due to theft or misdirection by the Common Carrier.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Trip delay reimbursement: You can acquire up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchase was delayed for more than 12 hours.
- Roadside Dispatch®: You can take advantage of its pay-per-use roadside assistance program. Services include standard towing, tire changing, jump-starting, fuel delivery of up to five gallons, standard winching, and lockout services through Visa Signature’s Roadside Dispatch®. Note that you’ll be responsible for any fees for the services rendered.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone. Note that this will be applied if you pay your monthly cellphone bills with this card.
PNC Cash Rewards® Visa Signature® Business Credit Card Fees
APR
- Introductory: 0% APR on purchases for the first nine billing cycles after account opening
- Ongoing for purchases and balance transfers: 19.24% to 27.24% variable—adjusts with the prime rate
- Cash advance: 27.24% variable—adjusts with the prime rate
- Penalty: 34.24% variable—adjusts with the prime rate. This would be applied to all balances if you didn’t pay the minimum payments twice.
Fees
- Annual: None
- Balance transfer: Either 3% of the amount of the transfer or $5, whichever is greater
- Foreign transaction: 3% of the amount in United States dollars of each foreign transaction
- Cash advance: Either 4% of the advance or $10, whichever is greater, up to a maximum amount of $75
- Late payment: The amount will be based on the previous balance shown on the statement:
- $15 for previous balances of up to $99.99
- $29 for previous balances of $100 to $249.99
- $39 for previous balances of $250 and greater
- Overlimit: $39
- Returned payment and returned convenience check: $35
- Online: You can pay your bills electronically by signing in to PNC Online Banking. Make a one-time payment, or schedule recurring payments by selecting “Make a Payment” or “Pay Today” on the account activity screen.
- Mobile app: You can use the PNC Mobile app to pay from a PNC checking or savings account.
- Automated payments: Sign up for automated payments by filling out the form available at pnc.com/cc-autopayform, then fax or mail it as indicated on the form.
- Phone: Call the bank at (800) 558-8472. Follow the prompts to either make a self-service payment or ask for assistance from an agent.
- In-person: You can make your credit card payments directly at the nearest PNC Bank branch during normal business hours.
- Mail Note that you must send it early enough that it arrives by the due date. Also, it is best for you to write your credit card number on your check too, for the bank teller's reference. : Send a check or money order (but not cash) to the address below.
PNC Bank
PO Box 71335
Philadelphia, PA 19176-1335
PNC Cash Rewards® Visa Signature® Business Credit Card Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
When To Consider American Express Blue Business CashTM
- You have annual expenses of up to $50,000: It offers a fixed-rate cash back of 2% on all eligible purchases of up to $50,000 per calendar year. A 1% cash back is offered after the cap is met.
Other Benefits
- Lets you earn $250 in statement credit after making $3,000 in purchases within the first three months of card ownership
- Charges $0 annual fees
- Offers expanded buying power, allowing you to spend above your credit limit. Note that your buying power will depend on your card usage, payment history, credit record, financial resources, and other factors.
This card is one of our best credit cards for new businesses with no credit history and one of our preferred credit cards for nonprofits due to its ability to let you spend over your credit limit. You can check out our list of the best American Express business credit cards for more options from the issuing bank.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You plan to make large purchases and/or significant transfers: It has a 0% introductory period on purchases and balance transfers for the first 15 billing cycles.
Other Benefits
- Receive a sign-up bonus of $500 in cash back after spending at least $4,500 in eligible purchases within the first 150 days of account opening
- Earn up to 5% cash back on selected spending categories
- Charges $0 annual fees
- Features Pay Over Time—where you divide large purchases into fixed monthly payments through the U.S. Bank ExtendPay™ Plan with no interest
Its long 0% introductory period on purchases and balance transfers, cash back rewards, and pay over time feature are why it is our top business credit card with no annual fee and one of our best small business credit cards. See our review of the best U.S. Bank business credit cards for more options.
PNC points® Visa® Business Credit Card
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
18.24% to 27.24% 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
18.24% to 27.24% 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.
When To Consider PNC points® Visa® Business Credit Card
- You prefer to earn fixed-rate points rewards: It lets you earn 5x points on all expenses, with no limits.
Other Benefits
- Has a 0% introductory period on purchases and balance transfers for the first nine billing cycles
- Charges $0 annual fees
- Lets you redeem earned points for cash back, travel, gift cards, name-brand merchandise, and Apple Store products
Check our roundup of the best PNC Bank business credit cards for more options from the issuing bank.
Frequently Asked Questions (FAQs)
You have four options to apply for PNC points® Visa® Business Credit Card:
- Online, which takes about 15 minutes or less to complete.
- By phone at (855) 762-2365 from Mondays through Fridays at 8:30 a.m. to 8 p.m. Eastern time.
- In-person at any PNC branch.
- Offline with a printable application to mail or fax.
Note that it’ll take 15 minutes to apply and that you’ll need to secure the following:
- Company’s tax identification number (TIN)
- Company’s annual revenue
- Your Social Security number
- Monthly housing payment
- Gross annual income
Typically, all PNC credit card applications will receive their notifications of approval or disapproval through the U.S. Postal Service. If you prefer not to wait for the mail or more than 10 days have passed since you applied, you can call the PNC Credit Card Underwriting Department at (800) 762-0974. Ensure that you follow the prompts and provide all the relevant information to know your application status.
PNC Bank mainly uses Experian as its basis to approve or disapprove credit card applications. In some cases, it would also use TransUnion as a secondary resource.
Bottom Line
PNC Cash Rewards® Visa Signature® Business Credit Card is a no-annual-fee, low-interest credit card that’s best for business owners who have an existing deposit account with PNC Bank. It offers unlimited 1.5% cash back on all eligible purchases, with no limits on how much cash back you can earn. Note, though, that other business credit cards can let you spend beyond your credit limit, offering a long 0% introductory period on top of the cash back you can earn when using it.
