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The PNC Cash Rewards® Visa Signature® Business Credit Card is ideal for business owners who want unlimited 1.5% cash back on all purchases, with no spending categories to track. Besides that, you can earn a $600 welcome offer and enjoy a $0 annual fee. While it features a 0% introductory Annual Percentage Rate (APR) on purchases, it only lasts for the first 9 billing cycles, shorter than the 12-month offers from some other cards.
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| Intro APR | 0% for 9 billing cycles |
|---|---|
| Regular APR | 19.24% to 29.49% variable |
| Annual Fee | $0 |
| Credit Needed | Good - Excellent |
When evaluating business secured credit cards like the PNC Cash Rewards® Visa Signature® Business Credit Card, we focus on key factors like the rewards it offers (both ongoing and introductory). We also take into consideration the annual fee, additional features, and APR offers the card provides.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 30 |
| Introductory Rewards | 20 | 20 |
| Annual Fee | 15 | 15 |
| Additional Features | 15 | 15 |
| Introductory APR | 5 | 10 |
| Ongoing APR | 8 | 10 |
| Total Score | 83 | 100 |
- Who the PNC Cash Rewards® Visa Signature® Business Credit Card Is Best For
- PNC Cash Rewards® Visa Signature® Business Credit Card Rewards
- PNC Cash Rewards® Visa Signature® Business Credit Card Features
- PNC Cash Rewards® Visa Signature® Business Credit Card Fees
- PNC Cash Rewards® Visa Signature® Business Credit Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
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.
- Those who need to manage employee spending: You can use the Spend Analysis tool in Cash Flow Insight® to automatically categorize your PNC business credit card transactions, helping you track spending and plan for future business expenses effectively.
- Those who travel frequently: You can benefit from features like lost luggage reimbursement, travel accident insurance, and VISA Signature Concierge services.
Check out
below if this card isn’t what you’re looking for.
PNC Cash Rewards® Visa Signature® Business Credit Card Rewards
- $600 bonus after spending $6,000 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
- Redeem cash back as a statement credit or deposit it to an eligible PNC Business checking or savings account
- Earn cash back on employee card spending at no additional cost
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.
PNC Cash Rewards® Visa Signature® Business Credit Card Calculator
Your potential annual reward earnings are:
How to Redeem PNC Cash Rewards® Visa Signature® Business Credit Card Rewards
- Redemption options: Redeem cash back as a statement credit or deposit it into an eligible PNC business checking or savings account.
- Processing time: It takes up to 7 business days for the cash back to be credited after a valid redemption request.
- Important note: Statement credits don’t count as a payment on your account—you must still make at least the minimum payment to avoid penalties.
PNC Cash Rewards® Visa Signature® Business Credit Card Features
Convenient and Secure Payments
- Contactless technology: Pay for purchases quickly and securely by simply waving your card or mobile device over a reader, offering faster transactions and enhanced security.
- Near Field Communication (NFC) technology: Utilizes NFC technology for seamless and efficient payments at the point-of-sale (POS).
- Zero liability fraud protection: Protects you from unauthorized card or account use, ensuring peace of mind.
Enhanced Security and Protection
- Extended protection: Doubles the original manufacturer’s warranty by up to one additional year on warranties of three years or less.
- Purchase security: Covers eligible items against theft or damage within the first 90 days of purchase, providing repair, replacement, or reimbursement.
- Chip card technology: Offers enhanced chip security through dynamic authentication for safer transactions.
- Cell phone protection: You can receive up to $800 per claim, with a maximum of two claims and $1,600 per year, for theft, damage, or accidental loss of your cell phone.
Flexible Account Management
- Overdraft protection: Link your PNC business credit card to your PNC business checking account for overdraft protection, ensuring you have funds when needed.
- Employee spending control: Manage employee cards with Account View by setting individual spending limits, activating or closing cards, and monitoring purchases.
- Access transaction history: View up to 13 months of transaction details and download them into Excel®, Quicken®, QuickBooks®, or .csv files.
Travel Benefits
- Travel protections: Enjoy benefits like Lost Luggage Reimbursement, Travel Accident Insurance, and Auto Rental Collision Damage Waiver. You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Emergency assistance: Access Roadside Dispatch®, Emergency Card Replacement, Emergency Cash Disbursement, and Travel and Emergency Assistance Services.
- VISA Signature Concierge: Provides personalized assistance for travel, dining, and entertainment.
Business Management Tools
- Spend analysis: Enroll in Cash Flow Insight® to monitor spending by business category and plan future expenses.
- No signature required: For qualifying merchants, transactions under $25 do not require a signature, speeding up your purchase process.
Easy Application Process
- Apply online in about 15 minutes: Just enter your company tax ID, annual revenue, Social Security number, monthly housing payment, and gross annual income.
Potential Fee Savings
- Offset monthly maintenance fees: If you have a PNC business checking account, using this credit card could help offset your monthly maintenance fee.
PNC Cash Rewards® Visa Signature® Business Credit Card Fees
APR
- Introductory: 0% APR on purchases for the first nine billing cycles after account opening
- Purchase: 19.24% to 29.49% variable—adjusts with the prime rate
- Balance transfer: 19.24% to 29.49% variable—adjusts with the prime rate
- Cash advance: 30.24% 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: $0
- Balance transfer: Either 5% of the amount of the transfer or $5, whichever is greater
- Foreign currency transaction: 3% of the transaction in United States dollars (USD)
- 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: $35
- Returned convenience check: $35
The due date is at least 21 days after each billing cycle, with no interest on purchases if paid in full. Interest on cash advances and balance transfers starts from the transaction date.
- 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.
- MailNote 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
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Consider the American Express Blue Business Cash™ Card if you want flexible spending beyond your credit limit and straightforward cash back without tracking categories. With Expanded Buying Power, your limit adjusts based on usage and financial history. It also offers expense management tools, a $0 annual fee, a 0% introductory APR for 12 months, and low APR and foreign transaction fees. However, it lacks cash advance and balance transfer options.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
The U.S. Bank Triple Cash Rewards Visa® Business Card is a great alternative, offering unlimited cash back, annual software credits, a 0% introductory APR on purchases, and a $0 annual fee. Its ExtendPay® Plan lets you pay eligible balances over time without interest, perfect for businesses with recurring software costs. Plus, earn a $750 cash bonus after spending $6,000 within 180 days.
Capital One Spark Cash Select
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
The card_name is a strong alternative, offering unlimited 1.5% cash back on all purchases with a $0 annual fee. Ideal for business owners with excellent credit who want fixed-rate cash back and a low ongoing APR. You can earn a $500 cash bonus after spending $4,500 in the first 3 months. Free employee cards also earn unlimited 1.5% cash back. Take note that there’s no welcome offer or balance transfer option.
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
You’ll typically need a good to excellent credit score (around 700 or higher) to qualify for the PNC Cash Rewards® Visa Signature® Business Credit Card. However, approval also depends on other factors like your income, credit history, and financial status.
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 if 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.
Bottom Line
The PNC Cash Rewards® Visa Signature® Business Credit Card is an excellent choice for business owners seeking unlimited cash back with no spending categories, strong travel benefits, and comprehensive purchase protections. With a $0 annual fee, contactless payment options, and tools to manage employee spending, it’s a valuable option for businesses looking for flexibility, rewards, and security in one card.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
