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 doesn’t charge an annual fee and has no foreign transaction fee for purchases made outside of the United States.
To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
PNC Travel Rewards Visa® Business Credit Card
BEST FOR:
Earning fixed-rate rewards for businesses that bank with PNC Bank
Intro APR
N/A
Regular APR
19.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 2x miles on the first $2,500 on eligible net purchases
- Unlimited 1x miles for every dollar on eligible net purchases after the first $2,500
Pros
- Does not charge annual and foreign transaction fees
- Low ongoing APR
Cons
- Does not offer introductory 0% APR on purchases and balance transfers
- Low ongoing rewards
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Accounting system integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- 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.
- Extended protection: Doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.
Intro APR
N/A
Regular APR
19.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 2x miles on the first $2,500 on eligible net purchases
- Unlimited 1x miles for every dollar on eligible net purchases after the first $2,500
Pros
- Does not charge annual and foreign transaction fees
- Low ongoing APR
Cons
- Does not offer introductory 0% APR on purchases and balance transfers
- Low ongoing rewards
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Accounting system integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
- 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.
- Extended protection: Doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.
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 annual percentage rates (APRs) and its 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
- Those who travel frequently: It offers unlimited rewards on eligible purchases, which can be used for travel.
See our recommended alternatives 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 miles 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 amount of 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.
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: You can 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®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. The 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: You can access up to 13 months of transactions and download them into Excel®, Quicken®, or QuickBooks®, or use comma-separated values (CSV) files.
Other services
- Overdraft protection: You have the option to 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. Check our review of PNC Bank’s business checking for more details.
- Contactless technology: This feature allows you to 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: 19.24% to 27.24% variable, which adjusts with the prime rate
- Cash advance: 27.24% 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 3% 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
- 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®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
19.49% - 28.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
19.49% - 28.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
When To Consider the American Express Business Platinum Card®
- You value luxury travel perks: It offers access to over 1,400 airport lounges worldwide and up to $200 airline fee credits per year.
Other Benefits
- Receive a high sign-up bonus of 150,000 Membership Rewards® points after spending $20,000 within the first three months from the date of account opening
- Get up to 5x Membership Rewards® points on selected spending categories
- Redeem earned points as a statement credit; note that you need at least 1,000 points in your account to pay off your balances on your credit card statement
Despite the card having a high annual fee of $695, its high introductory bonus and luxury travel perks are why it is our leading high-limit business card and best business card with airport lounge access. It is also one of our top small business credit cards. If you want another card from the same issuer, you can refer to our roundup of the best American Express business credit cards.
PNC points® Visa® Business Credit Card
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
18.24% to 27.24% 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
- Does not charge an annual fee
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
18.24% to 27.24% 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
- Does not charge an annual fee
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 To Consider the PNC points® Visa® Business Credit Card
- You want another PNC business credit card: It lets you earn 5x points per dollar spent on all other purchases
- You intend to create large purchases or make a significant balance: It has a 0% introductory period on purchases and balance transfers for the first nine billing cycles.
Other Benefits
- Charges $0 annual fees
- Redeem earned points for cash back, travel, gift cards, name-brand merchandise, and Apple Store products
This card is in our roundup of the top 0% APR business cards. For other options from the bank, see our guide to the best PNC Bank business credit cards.
Bank of America Business Advantage Travel Rewards World Mastercard
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
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
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
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
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
When To Consider the Bank of America Business Advantage Travel Rewards World Mastercard
- You prefer to earn fixed-rate points rewards: Instead of miles points, it lets you earn 1.5x points on all purchases.
- You have an active Bank of America business checking account: It lets you earn an additional 2.62 points for every dollar spent on all purchases through the Preferred Rewards for Business.
Other Benefits
- Get 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days from the date of account opening
- Receive access to and monitor your credit score through the Business Advantage 360
Its fixed-rate points rewards and having the ability to view your credit score are why it is one of our top-recommended business cards for travel and leading credit cards for real estate agents. Check our list of the best Bank of America business credit cards if you want other cards from the same issuer.
Frequently Asked Questions (FAQs)
There are four 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.
- Fill out an application to mail or fax.
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 no 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.
