PNC Travel Rewards Visa® Business Credit Card Review
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This article is part of a larger series on Best Small Business Credit Cards.
The 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
13.99% to 22.99% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 1 mile for every $1 in eligible net purchases
- No limit to the number of miles you can earn
- Earn double miles on the first $2,500 in eligible net purchases
- Book your own travel, then redeem miles for a statement credit
Pros
- No annual fee
- Low ongoing APR
- No foreign transaction fee
Cons
- No 0% APR period
- Low ongoing rewards
- 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
N/A
Regular APR
13.99% to 22.99% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 1 mile for every $1 in eligible net purchases
- No limit to the number of miles you can earn
- Earn double miles on the first $2,500 in eligible net purchases
- Book your own travel, then redeem miles for a statement credit
Pros
- No annual fee
- Low ongoing APR
- No foreign transaction fee
Cons
- No 0% APR period
- Low ongoing rewards
- 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.
How We Evaluate Low-interest Business Credit Cards
When grading a low-interest credit card like the PNC Travel Rewards Visa® Business Credit Card, we first consider the introductory and ongoing APRs. We also rate the card’s additional features, annual fees, ongoing and introductory rewards, and other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 0 | 25 |
Ongoing APR | 25 | 25 |
Additional Features | 8 | 10 |
Annual Fee | 10 | 10 |
Ongoing Rewards | 5 | 10 |
Introductory Rewards | 5 | 10 |
Other fees | 8 | 10 |
Total Score | 61 | 100 |
Who the PNC Travel Rewards Visa® Business Credit Card Is Best For
- Business owners who travel frequently: It offers unlimited rewards on eligible purchases, which can be used for travel.
- Business owners who need to carry a balance: While this small business credit card doesn’t offer a 0% introductory APR, it comes with a low ongoing interest rate, making it a good option for those who need to carry a balance.
If this card doesn’t meet your needs, check out our guides to the best PNC business credit cards and top small business credit cards. You can also visit our Credit Card Marketplace for additional recommendations.
PNC Travel Rewards Visa® Business Credit Card Fees
APR
- Introductory APR: None
- Ongoing APR on purchases and balance transfers: 13.99% to 22.99% variable, which adjusts with the prime rate
- Cash advance: 24.99%, which adjusts with the prime rate
- Penalty: 31.99%, 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 and returned payment: Varies depending on the previous balance in the statement:
- $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: $35
- Returned convenience check: $35
How To Make Payments on the PNC Travel Rewards Visa® Business Credit Card
- 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: Use the PNC Mobile app, available for iOS and Android devices, to pay from a PNC checking or savings account.
- Automated payments: Set up automated payments by filling out the form (available at pnc.com/cc-autopayform), then fax or mail it as indicated on the form.
- Phone: Call PNC 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: 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 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 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
Use your PNC Travel Rewards Visa® Business Credit Card to purchase airline or cruise tickets, rent a car, and book hotel stays. Then, contact PNC Bank within 60 days after the travel purchase posts to your account to redeem your miles in the form of a statement credit. You’ll receive a $50 credit for every 5,000 miles you redeem for travel. You can also redeem your miles as monetary credit and receive a $40 credit for every 5,000 miles redeemed; redemption should be in increments of 5,000 miles.
PNC Travel Rewards Visa® Business Credit Card Additional Features
Protection Coverage
- Extended protection: Extended warranty protection covers purchases made with this card. It doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.
- Purchase security: 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 integration: 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.
- 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.
Pros & Cons of the PNC Travel Rewards Visa® Business Credit Card
| PROS | CONS |
|---|---|
| No annual fee | No 0% APR period |
| Low ongoing APR | Low ongoing rewards |
| No foreign transaction fee | Online application unavailable for non-account holders |
PNC Travel Rewards Visa® Business Credit Card Alternatives
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
14.74% to 23.74% 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 dolar 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
14.74% to 23.74% 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 dolar 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.
- PNC points® Visa® Business Credit Card is an excellent alternative if you want to earn points rewards that can be redeemed as cash or for travel, hotel stays, merchandise, or gift cards from Target, Amazon, and Starbucks
- Lets you earn 5 points for every $1 in qualifying purchases
- Offers a 0% APR period for the first nine billing cycles on both balance transfers and purchases
- Has no annual fee
- Is one of our leading business credit cards for nonprofit organizations
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
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:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
18.24% to 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
0% on purchases
Regular APR
18.24% to 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One® Spark® Miles Select for Business is best for business owners who travel frequently, need an introductory 0% APR, and prefer to earn a sign-up bonus
- Provides 0% APR on purchases for the first nine billing cycles
- Offers unlimited 1.5x miles on every purchase, and 5x miles on hotels and rental cars that are booked through Capital Travel
- Lets you earn a one-time bonus of 20,000 miles, equivalent to $200 in travel, after spending $3,000 on purchases within the first three months after opening an account
- Has no annual fee and no foreign transaction fees
- Is one of our best business credit cards for earning miles
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® 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:
Earning top rewards on travel purchases booked through Bank of America
Intro APR
0%
Regular APR
16.49% - 26.49% 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 net 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 on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
- Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
- Earn up to 75% more points 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 an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
- 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
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.
- 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%
Regular APR
16.49% - 26.49% 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 net 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 on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
- Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
- Earn up to 75% more points 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 an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
- 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
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.
- 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.
- Bank of America® Business Advantage Travel Rewards World Mastercard® is a good option for frequent travelers with an existing deposit account with Bank of America and qualify for the Preferred Rewards for Business program
- Offers 30,000 online bonus points, which can be redeemed as $300 statement credit towards travel or dining-related purchases, after making $3,000 or more in purchases in the first 90 days of opening an account
- Lets you earn unlimited 1.5x points for every $1 you spend on all purchases, and 3x points when you book your travel, including car, hotel, and airline, through the Bank of America® Travel Center
- Comes with zero annual fees and no foreign transaction fees
- Offers 0% on purchases for the first nine billing cycles
- Is one of our top-recommended business credit cards for travel
Bottom Line
The 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. If this isn’t what you need, head over to our Credit Card Marketplace to find a better fit.
