PNC points® Visa® Business Credit Card Review
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.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
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. It also offers interest-free financing options on purchases and balance transfers.
If you wish to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
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.
When grading low-interest business credit cards 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 | 29 | 35 |
Ongoing APR | 35 | 35 |
Additional Features | 10 | 10 |
Ongoing Rewards | 8 | 10 |
Introductory Rewards | 0 | 10 |
Total Score | 82 | 100 |
Who the PNC points® Visa® Business Credit Card Is Best For
- Those who need to carry a balance: It comes with a low ongoing APR that ranges from 13.99% to 22.99%, making it a great option for those who need to carry a balance from time to time.
- Those 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.
If this doesn’t fit your business needs, then see our guides to the best PNC business credit cards and leading small business credit cards.
PNC points® Visa® Business Credit Card Fees
APR
- 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 on purchases and balance transfers: 13.99% to 22.99% variable—adjusts with the prime rate
- Cash advance APR: 24.99% variable—adjusts with the prime rate
- Penalty APR: 31.99% variable—adjusts with the prime rate
Fees
- Annual: $0
- Balance transfer: Either $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction: 3% of the amount in United States dollars of each foreign transaction
- Cash advance: Either $10 or 4% of the amount of each transaction, whichever is greater
- Late payment:
- $15 for previous balances up to $99.99
- $29 for previous balances from $100 to $249.99
- $39 for previous balances of $250 or greater
- Overlimit: $39
- Returned payment and returned convenience check: $35
PNC points® Visa® Business Credit Card Rewards
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the number of points earned. You can combine personal and business points to receive more rewards.
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 (855) PNC-RWDS or (855) 762-7937.
If you have more than one PNC points Account and are the primary cardholder, you can ask to link two or more PNC points Accounts. This can be done to pool points to the PNC points Account associated with your card. It should be noted that the eligible PNC points Account must match either your name or address.
How To Make Payments on the PNC points® Visa® Business Credit Card
- Online: Pay via PNC Online Banking. Make a one-time payment or schedule recurring payments by choosing “Make a Payment” or “Pay Today” on your account activity screen.
- Mobile app: 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 on pnc.com/cc-autopayform, then fax or mail it as indicated on the form.
- Phone: Call the bank at (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, 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:
PNC Bank
PO Box 71335
Philadelphia, PA 19176-1335
PNC points® Visa® Business Credit Card Features
PNC Bank Card Management and Protection
- 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 assign business categories to your credit card transactions automatically so that you can track your expenses and plan a budget for your future business needs.
- 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.
- Online account management: This enables 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 even make payments and schedule recurring payments.
Visa Benefits and Protection
- 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.
- 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.
- Travel and emergency assistance services: In case of an emergency when you’re traveling, this 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 |
|---|---|
| Comes with a low ongoing APR ranging from 13.24% to 22.24% | Interest-free financing option for both purchases and balance transfers are only nine billing cycles |
| Lets you earn 5 points (unlimited) for every dollar on business-related purchases, which you can redeem for cash, travel, hotel stays, gift cards, and merchandise | Earned points expire at the end of the 48th month after the month in which they were posted to your points account |
| Doesn’t charge an annual fee | Online application available only if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor; non depositors need to visit a branch to apply in person |
PNC points® Visa® Business Credit Card Alternatives
U.S. Bank Business Platinum Card
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
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- 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
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- 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
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- U.S. Bank Business Platinum offers a 0% introductory APR for the first 18 billing cycles on both purchases and balance transfers
- Our leading 0% APR Business Credit Card
- Doesn’t offer any rewards for new and existing cardholders
American Express Blue BusinessTM Cash
American Express Blue Business Cash™ 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 better cash back rewards
Intro APR
0% on purchases
Regular APR
18.24% - 26.24% 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.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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
18.24% - 26.24% 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.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
- American Express Blue BusinessTM Cash offers an interest-financing option of 0% on purchases for the first 12 billing cycles
- Our best cash back business credit card and one of our leading small business credit cards
- Introductory offer of $250 statement credit after spending $3,000 in qualifying purchases within the first three months after card opening
- 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically
Chase Ink Business Unlimited®
- Chase Ink Business Unlimited® offers an interest-free financing option of 0% on purchases for the first 12 billing cycles
- Our best small business credit card and top credit card for new businesses with no credit history
- Introductory bonus of $750 cash back after spending $7,5000 on purchases during the first three months after opening an account
- Unlimited 1.5% cash back rewards on all business-related purchases
Bottom Line
PNC points® Visa® Business Credit Card is best for business owners wanting a low-interest credit card that offers unlimited rewards with a zero-interest period for balance transfers and purchases. It lets you earn unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the number of points earned. You can even combine personal and business points to receive more rewards. However, earned points will expire after the end of the 48th month after the month they were posted to your account.