PNC points® Visa® Business Credit Card Review
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 points® Visa® Business Credit Card is a no-annual-fee business credit card that comes with a low ongoing annual percentage rate compared to most other business credit cards. It offers an introductory 0% annual percentage rate (APR) period on both purchases and balance transfers, as well as fixed-rate points rewards on all business-related purchases, regardless of spending categories. Note that you only have 48 months to redeem your points rewards before they expire.
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 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
16.24% to 25.24% 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
16.24% to 25.24% 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.
How We Evaluate Points-based Rewards Business Credit Cards
When grading points-based rewards business credit cards like the PNC points® Visa® Business Credit Card, we consider the ongoing and introductory rewards as the most important criteria. We also rate the annual fee, introductory and ongoing APRs, and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 25 |
Introductory Rewards | 0 | 25 |
Annual Fee | 15 | 15 |
Features | 13 | 15 |
Introductory APR | 7 | 10 |
Ongoing APR | 10 | 10 |
Total Score | 70 | 100 |
Who the PNC points® Visa® Business Credit Card Is Best For
- Business owners who prefer to earn fixed-rate rewards: You can earn fixed 5x points per dollar on all purchases without the need to keep track of spending categories.
- Business owners who need to carry a balance: Compared to most other business credit cards, PNC points® Visa® Business Credit Card has a relatively lower APR, making it an ideal option for those who need to carry a balance from time to time.
If you think this card is not a good fit for your business, head over to our recommended alternatives to find a better option.
PNC points® Visa® Business Credit Card Rewards
- 5x points per dollar on all card expenses, with no maximum limit
It’s important to note that while you can earn unlimited points, you need to use your rewards within four years before they expire. Reward points will expire at the end of the 48th month after the month they were posted to your account.
PNC points® Visa® Business Credit Card Rewards Calculator
Do you want to know how much you can earn from the PNC points® Visa® Business Credit Card? Use our rewards calculator below to find out. Just input your expected monthly expenses and the calculator will automatically compute your potential annual points earned.
The value of PNC points varies depending on how they are redeemed. Usually, PNC points are worth around $0.002 each, so 5x points are equivalent to one cent. Note that point values are subject to change without notice.
How To Redeem PNC points® Visa® Business Credit Card Rewards
You can redeem your points for cash back, travel, gift cards, name-brand merchandise, and Apple Store products. You can redeem your points online or by calling (855) 762-7937. Point values will vary depending on the rewards you redeem and are subject to change.
For example, you can select from a wide range of gift cards available with values ranging from $5 to $500—these are worth around 2,350 points to 250,000 points, depending on the type of gift card. If you redeem for items from the merchandise catalog or Apple store, you’ll need around 1,000 points to over 1,000,000 points, depending on the product you choose.
You’ll need at least 10,000 points to book for travel with airlines, hotels, car rentals, and cruises. You can also redeem your points for cash back for as little as 5 points, which is equivalent to $0.01.
PNC points® Visa® Business Credit Card Features
PNC Bank Card Management and Protection
- Cash Flow Insight®: Monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. Plus, track your expenses and plan a budget with the Spend Analysis tool.
- Overdraft protection: Use this card as overdraft protection for your PNC business checking account to prevent overdrafts if your account doesn’t have sufficient funds to cover your check transactions.
- Online account management: Keep track of your current balance and view pending transactions online. Control your employee cards by setting individual spending limits, as well as adding, activating, or closing cards. You can also make payments online and schedule recurring payments.
Visa Benefits and Protection
- Extended protection: Double the original manufacturer’s written U.S. warranty up to a maximum of one additional year on warranties of three years or less when you use your card to pay for the item.
- Purchase security: Get your lost, damaged, or stolen items replaced, repaired, or reimbursed within the first 90 days of purchase.
- Travel and emergency assistance services: Connect to the appropriate local emergency and assistance resources 24/7 when you’re traveling. Note that you’ll be responsible for the cost of any services provided.
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: 16.24% to 25.24% variable—adjusts with the prime rate
- Cash advance APR: 27.24% variable—adjusts with the prime rate
- Penalty APR: 34.24% 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 (USD) of each foreign transaction
- Cash advance: Either $10 or 4% of the amount of each transaction, whichever is greater
- Late payment: Up to $39
- $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
How To Make Payments
- 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 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, 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
When To Consider PNC points® Visa® Business Credit Card Alternatives
You Want to Earn Premium Cash Back in Your Chosen Category
While the PNC points® Visa® Business Credit Card offers fixed-rate 5x points on all purchases, the value of each point is only around $0.002, which is less than a quarter of a cent. If you want to maximize your rewards-earning potential, it’s best to choose a card that lets you earn rewards on the expenses where you spend the most. For this, we recommend the Bank of America® Business Advantage Customized Cash Rewards Credit Card.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Lets you earn 3% cash back on your chosen expense category and 2% cash back on dining purchases on the first $50,000 in combined purchases each calendar year, then 1% cash back on all of your purchases and when the cap is met
- Offers a $300 welcome bonus when the spending requirement is met
- Lets you earn up to 75% more cash back if you have a Bank of America business checking account and can qualify for the Preferred Rewards for Business program
- Has no annual fee and comes with 0% APR on purchases for the first nine billing cycles
Keep in mind that you must have excellent credit to qualify for this card. It is one of our top-recommended credit cards for small business because of its unique rewards program where you can select your premium rewards category. Want to check other alternatives from Bank of America? Visit our best Bank of America business credit cards guide.
You Want to Longer 0% APR Period & Earn a Sign-Up Bonus
PNC points® Visa® Business Credit Card comes with a 0% APR on both balance transfers and purchases for the first nine billing cycles. However, this period is shorter than what most other business credit cards offer. If you’re looking to consolidate your debts from other credit cards or make a large purchase for your business, you may find the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® more suitable.
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.
- Offers interest-free financing on both purchases and balance transfers for the first 15 billing cycles
- Lets you earn up to 5% cash back
- Gives you $500 welcome bonus when you meet the spending requirements
- Offers $100 annual software credit for recurring software subscriptions
- Charges no annual fee
It is our top choice for the best business credit cards with no annual fee because of its generous rewards, long 0% APR period, and opportunity to earn bonuses. Check out the top U.S. Bank business credit cards for other options from this issuer.
You Need Flexible Credit Limits
If your business has fluctuating expenditures each month, you will benefit more from a business credit card that offers a flexible credit limit. Consider the American Express Blue BusinessTM Cash—besides offering a flexible limit, it lets you earn fixed-rate cash back on all expenses, so you don’t have to keep track of spending categories.
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
- 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
- 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.
- Features Expanded Buying Power, which allows you to spend beyond your credit limit based on your card usage, payment behavior, credit history, and financial resources
- Offers a fixed-rate 2% cash back on the first $50,000 purchases per calendar year, then 1% cash back when the cap is met
- Comes with 0% APR for the first 12 months from opening an account
- Has $0 annual fee
Note that while it doesn’t offer a sign-up bonus, it is still named as our best overall cash back business credit card because of its straightforward rewards program and credit limit flexibility. Visit our American Express business credit cards guide for more options from this issuer.
Frequently Asked Questions (FAQs)
How can I apply for PNC points® Visa® Business Credit Card?
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.
What do I need to apply?
To apply, you need to prepare the following requirements:
- Company tax Identification number (TIN)
- Company annual revenue
- Your Social Security number
- Monthly housing payment
- Gross annual income
Can I link my PNC personal and business credit cards to the same rewards program?
If you are the primary account holder for both your PNC business and personal credit card accounts, you can link them to the same PNC points account. This allows you 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.
Bottom Line
PNC points® Visa® Business Credit Card is best for business owners wanting a credit card that offers unlimited rewards with a zero-interest period for balance transfers and purchases. You can earn unlimited 5x 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. 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.
