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PNC Travel Rewards Visa® Business Credit Card is designed for business owners who travel frequently. It offers ongoing rewards that can be used for travel and comes with a low ongoing Annual Percentage Rate (APR). Additionally, it carries a $0 annual fee and charges a $0 foreign transaction fee for purchases made outside of the United States.
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| Intro APR | N/A |
|---|---|
| Regular APR | 21.24% to 29.49% variable |
| Annual Fee | $0 |
| Credit Needed | Good - Excellent |
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When grading travel rewards business credit cards like the PNC Travel Rewards Visa® Business Credit Card, we first evaluate introductory and ongoing rewards and additional features. Then, we look into the card’s APRs and annual fee.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 18 | 25 |
| Introductory Rewards | 20 | 25 |
| Additional Features | 20 | 25 |
| Annual Fee | 15 | 15 |
| Introductory APR | 0 | 5 |
| Ongoing APR | 3 | 5 |
| Total Score | 76 | 100 |
- Who the PNC Travel Rewards Visa® Business Credit Card Is Best For
- PNC Travel Rewards Visa® Business Credit Card Rewards
- PNC Travel Rewards Visa® Business Credit Card Features
- PNC Travel Rewards Visa® Business Credit Card Fees
- PNC Travel Rewards Visa® Business Credit Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the PNC Travel Rewards Visa® Business Credit Card Is Best For
- Those who travel frequently: It offers unlimited rewards on eligible purchases, which can be used for travel.
See
below if this card isn’t the best fit for your business.
PNC Travel Rewards Visa® Business Credit Card Rewards
- 2x miles on the first $2,500 on eligible net purchases
- Unlimited 1x mile for every dollar on eligible net purchases after the first $2,500
PNC Travel Rewards Visa® Business Credit Card Calculator
You can get the estimated mileage value that you earn from your PNC Travel Rewards Visa® Business Credit Card based on your estimated monthly expenses. Use our rewards calculator to compute your potential rewards—enter your expected monthly spending, and our calculator will do the rest.
Note that each mile is valued at 1 cent.
PNC Travel Rewards Visa® Business Credit Card Calculator
Your potential annual reward earnings are:
How to Redeem PNC Travel Rewards Visa® Business Credit Card Rewards
Use your PNC Travel Rewards Visa® Business Credit Card to purchase airline or cruise tickets, rent a car, book hotel stays, and receive monetary credit. Note that you’ll need to contact PNC Bank within 60 days after the purchases were posted to your account to receive the credit:
- Air travel redemption: Redeem 25,000 miles for a monetary credit to your account, up to a maximum price of $315. An additional credit of $50 for every 5,000 miles you redeem will be given to you. Note that the monetary credit amount must not exceed the total cost of the airline ticket purchases.
- Cruise, rental car, and hotel stay redemption: Receive a credit of $50 for every 5,000 miles you redeem. There is no limit on the number of miles you can redeem in each calendar year.
- Monetary credit redemption: Call 800-558-8472 or go to www.pnc.com/travelrewards to redeem your earned miles for monetary credit. Note that you’ll receive a $40 monetary credit for every 5,000 miles you redeem on your account.
PNC Travel Rewards Visa® Business Credit Card Features
Protection coverage
- Extended protection: Doubles the original manufacturer’s United States warranty, up to a maximum of one additional year, on warranties of three years or less.
- Purchase security: Covers eligible items purchased with this card. Visa® will replace, repair, or reimburse you for items that are damaged or stolen within the first 90 days of purchase.
Cash management
- Cash Flow Insight®: Monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. PNC Bank’s Spend Analysis tool will assign business categories automatically to your credit card transactions to help you track your expenses so that you can plan a budget for your future business needs.
- Online account management: Check your current balance, monitor cash flow, and view pending transactions online. Plus, control your employee cards by setting individual spending limits. You can also make payments online, schedule recurring payments, and add, activate, or close cards.
- Accounting system integrations: Access up to 13 months of transactions and download them into Excel®, Quicken®, or QuickBooks®, or use CSV files.
Other services
- Overdraft protection: Set up this card as overdraft protection for your PNC Bank business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Contactless technology: Pay in seconds with just one tap of your card, without having to swipe or insert your card at the checkout terminal. You’ll still get the same level of security with the added convenience of just tapping the card at checkout terminals.
PNC Travel Rewards Visa® Business Credit Card Fees
APR
- Introductory: None
- Ongoing and balance transfers: 21.24% to 29.49% variable, which adjusts with the prime rate
- Cash advance: 30.24% variable, which adjusts with the prime rate
- Penalty: 34.24% variable, which adjusts with the prime rate; this will be applied to all balances if two consecutive payments aren’t received by their respective due dates
Fees
- Annual: None
- Balance transfer: Either $5 or 5% of the amount of each balance transfer, whichever is greater
- Cash advance: Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee of $75)
- Foreign transaction: None
- Late payment:
- $15 for previous balances up to $99.99
- $29 for previous balances ranging from $100 to $249.99
- $39 for previous balances $250 or greater
- Overlimit: $39
- Returned payment and returned convenience check: $35
Your due date is at least 21 days after the close of each billing cycle.
- Online: Pay 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 app: Use the PNC Mobile app to pay from a PNC checking or savings account.
- Automated payments: Set up automated payments by filling out PNC’s automated payment authorization form, which is available online or in the branch, then fax or mail it as indicated on the form.
- In-person: Visit the nearest PNC Bank branch during normal branch hours.
- Phone: Call PNC Bank at 800-474-2101. Follow the prompts to either make a self-service payment or ask for assistance from an agent.
- Check by mail: You can send a check payment 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 payment without your payment coupon can delay the crediting of your payment. Send your payment to this address, which is for payments only:
PNC Bank
PO Box 71335
Philadelphia, PA 19176-1335
PNC Travel Rewards Visa® Business Credit Card Alternatives
American Express Business Platinum Card®
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
Consider the American Express Business Platinum Card® if you travel frequently and want access to luxury travel perks such as access to over 1,550 airport lounges worldwide through The Global Lounge Collection. While it charges a high annual fee of $895, it makes up for it by offering over $3,500 in business and travel value annually (after meeting qualifying spend thresholds).
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 | 20.24% to 29.49 variable |
| Annual Fee | $0 |
| Credit Needed | Good to Excellent |
The PNC points® Visa® Business Credit Card is a great option if you prefer a card from the same issuer. It lets you earn points-based rewards instead of miles. It offers both a 0% introductory period on both purchases and balance transfers and also lets you earn 5x points on qualifying purchases (with no limit on the number of points you can earn).
card_name
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
With a low annual fee of annual_fees (waived for the first year), the Capital One® Spark® Miles for Business is a great option if you wish to earn unlimited 2x miles on all business-related purchases. While it does not offer a 0% introductory period on purchases, it has a fixed regular APR, which makes it easier to calculate your credit card balances.
Frequently Asked Questions (FAQs)
There are three ways to apply for the PNC Travel Rewards Visa® Business Credit Card:
- Online (note that this may take you up to 15 minutes to complete).
- Call 855-762-2365 from Mondays to Fridays from 8:30 a.m. to 8 p.m. Eastern time.
- Go to the nearest PNC Bank.
When applying online, PNC Bank requires the following:
- Company tax identification number (TIN)
- Company annual revenue
- Social Security number
- Monthly housing payment
- Gross annual income
PNC Bank submits monthly reports to the credit bureaus—usually within days after the end of a cardholder’s monthly billing period.
Bottom Line
PNC Travel Rewards Visa® Business Credit Card is best for frequent business travelers wanting a credit card with a $0 annual fee and low ongoing interest rates. However, it offers meager rewards and doesn’t have a 0% APR period for balance transfers and purchases.
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 Business Platinum Card®
