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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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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
21.24% to 29.49% 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
21.24% to 29.49% 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.
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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
- 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 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.
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®
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
18.49% - 29.24% 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.
- 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 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Complimentary 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. Enrollment required.
- Airport screening: Either a $120 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.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Intro APR
N/A
Regular APR
18.49% - 29.24% 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.
- 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 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Complimentary 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. Enrollment required.
- Airport screening: Either a $120 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.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Consider the American Express Business Platinum Card® if you travel frequently and want access to luxury travel perks such as access to over 1,400 airport lounges worldwide through The Global Lounge Collection. While it charges a high annual fee of $695, it makes up for it by offering over $2,000 in special rebates on various business tools.
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
20.24% to 29.49 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
20.24% to 29.49 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.
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
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
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.
