PNC points® Visa® Business Credit Card
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This article is part of a larger series on Best Small Business Credit Cards.
The PNC points® Visa® Business Credit Card is designed for business owners who prefer a rewards credit card that has no annual fee and comes with a low ongoing annual percentage rate (APR). You’ll earn five points per dollar on qualifying purchases without having to keep track of spending categories. This card also offers interest-free financing options on purchases and balance transfers.
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
10.99% to 19.99% 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
10.99% to 19.99% 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.
Do you want to compare the features of one card to another? We’ve made it easy for you to do that—check off up to three cards on this page (see PNC points® Visa® Business Credit Card Alternatives) to add them to your cart. This will allow you to view the details in a side-by-side comparison.
How We Evaluate Low-Interest Business Credit Cards
When grading a low-interest credit card like the PNC points® Visa® Business Credit Card, we consider the introductory and ongoing APRs to be the most important criteria. We also take into account the card’s additional features, annual fee, ongoing and introductory rewards, and other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 15 | 25 |
Ongoing APR | 25 | 25 |
Additional Features | 8 | 10 |
Annual Fee | 10 | 10 |
Ongoing Rewards | 8 | 10 |
Introductory Rewards | 0 | 10 |
Other fees | 8 | 10 |
Total Score | 74 | 100 |
Who the PNC points® Visa® Business Credit Card Is Best For
- Business owners who need to carry a balance: The PNC points® Visa® Business Credit Card comes with a low ongoing APR that ranges from 10.99% to 19.99%, making it a great option for those who need to carry a balance from time to time.
- Business owners who don’t want to keep track of spending categories: This small business credit card offers unlimited five points per dollar on qualifying purchases, regardless of spending categories.
PNC points® Visa® Business Credit Card Fees
- Introductory APR:
- 0% APR on purchases for the first nine billing cycles after opening an account
- 0% APR on balance transfers for the first nine billing cycles after opening an account when the balance is transferred within the first 90 days
- Ongoing APR: 10.99% to 19.99% variable—adjusts with the prime rate
- Annual fee: $0
- Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: 3% of the amount in United States dollars of each foreign transaction
- Cash advance fee: $10 or 4% of the amount of each transaction, whichever is greater—APR is 21.99%
How To Make Payments on the PNC points® Visa® Business Credit Card
- Online: Pay your PNC points® Visa® Business Credit Card through 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 for your account.
- Mobile: 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.
- By phone: Call the bank at 1-800-239-5175 or (800) 558-8472. Follow the prompts to either make a self-service payment or ask for assistance from an agent.
- Check by mail: Mail a check with the coupon at the bottom of your statement. If you don’t use your payment coupon, make sure you write your PNC credit card account number on the check. Mailing your payment without your payment coupon can delay crediting of your payment. Send your payment to this address, which is exclusively for payments only:
PNC Bank PO Box 71335
Philadelphia, PA 19176-1335
PNC points® Visa® Business Credit Card Rewards
- Unlimited 5 points for every dollar spent on eligible purchases
You can redeem your rewards as cash or use them for travel, hotel stays, merchandise, or gift cards from Target, Amazon, and Starbucks. Point values will vary depending on the rewards you redeem and are subject to change. You can redeem your points online or by calling 1-855-PNC-RWDS (855-762-7937).
You can also enhance your redemption experience by signing up for auto redemption, which allows you to receive the same reward automatically when your points reach the right level. You can also use the wish list feature to keep track of the rewards you like for redemption later. If you have a PNC points-based rewards personal credit card, you can combine your personal and business points to receive more rewards.
PNC points® Visa® Business Credit Card Additional Features
Cash Flow Insight®
Cash Flow Insight® is a tool that helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. Cash Flow Insight® has a Spend Analysis tool that will assign business categories automatically to your credit card transactions so that you can keep track of your expenses and plan a budget for your future business needs.
Overdraft Protection
You can use your PNC points® Visa® Business Credit 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.
Extended Protection
If you purchase an item using your PNC points® Visa® Business Credit 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.
Purchase Security
Items purchased by your PNC points® Visa® Business Credit 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.
Online Account Management
Online account management allows you to keep track of your current balance and view pending transactions online. You can also control your employee cards by setting individual spending limits, as well as adding, activating, or closing cards. You can also make payments online or schedule recurring payments.
Travel & Emergency Assistance Services
In case of an emergency while you’re traveling, the travel and emergency assistance service is available 24/7. It can connect you with the appropriate local emergency and assistance resources. You’ll be responsible for the cost of any services provided.
Pros & Cons of the PNC points® Visa® Business Credit Card
| PROS | CONS |
|---|---|
| Low ongoing APR: The PNC points® Visa® Business Credit Card comes with a low ongoing APR ranging from 10.99% to 19.99%. | Short 0% APR period: While the PNC points® Visa® Business Credit Card offers 0% APR on purchases and balance transfers, it’s only for nine billing cycles, which is shorter than most other business credit cards. |
| Ongoing rewards: You will earn five points (unlimited) for every dollar on all business-related purchases, which you can redeem for cash, travel, hotel stays, gift cards, and merchandise. | Rewards expire: Earned points expire at the end of the 48th month after the month in which they were posted to your points account. |
| No annual fee: You can enjoy the benefits of a low-interest business credit card while earning rewards on your purchases without having to pay an annual fee. | Online application not available for nonaccount holders: You can only apply online if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor—nondepositors need to visit a branch to apply in person. |
PNC points® Visa® Business Credit Card Alternatives
U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum card is a great option if you plan to make a large purchase or transfer a balance from another credit card. It offers a 0% introductory APR for the first 20 billing cycles on both purchases and balance transfers. It also comes with no annual fee and a low ongoing APR ranging from 12.74% to 20.99%; however, it doesn’t offer introductory and ongoing rewards.
U.S. Bank Business Platinum 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:
Extended 0% APR period on purchases and balance transfers
Intro APR
0% for first 20 billing cycles
Regular APR
12.74% - 21.74% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.74% to 21.74%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay ™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Intro APR
0% for first 20 billing cycles
Regular APR
12.74% - 21.74% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.74% to 21.74%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay ™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
American Express Blue Business® Plus Credit Card
If you need to spend over your credit limit from time to time, consider applying for the American Express Blue Business® Plus Credit Card. This low-interest credit card lets you spend beyond your credit limit through its Expanded Buying Power feature. This is also a good option if you have less than $50,000 in annual expenses as it offers two points on the first $50,000 in purchases each year, and one point on all purchases thereafter.
The Blue Business® Plus Credit Card from American Express
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:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
PNC Cash Rewards Visa Signature Business Credit Card
The PNC Cash Rewards® Visa Signature® Business Credit Card is an excellent option if you want to earn cash back instead of points-based rewards. This card offers unlimited 1.5% cash back on all eligible purchases. It also comes with a low APR ranging from 10.99% to 19.99% and no annual fee.
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
10.99% to 19.99% 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
- 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 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
10.99% to 19.99% 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
- 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 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.
For other PNC business credit cards alternatives, check out our guide to the best PNC business credit cards.
Bottom Line
The PNC points® Visa® Business Credit Card is best for business owners who want a low-interest credit card that offers unlimited rewards with a zero-interest period for balance transfers and purchases. If this card isn’t what you’re looking for, visit our Credit Card Marketplace or check out our guide to the best small business credit cards to find other options.
