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The PNC Visa® Business Credit Card is ideal for small business owners who prioritize low rates over earning rewards. It offers a fairly low Annual Percentage Rate (APR) and a 0% introductory period on purchases and balance transfers for the first 13 billing cycles. With a $0 annual fee, this card is cost-effective, though it doesn’t include a rewards program. Additionally, it’s easy to manage, thanks to the online account tools that help track and organize your business expenses.
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PNC Visa® Business Credit Card
BEST FOR:
Existing PNC Bank account holders that need to carry a balance
Intro APR
0% on purchases and balance transfers for the first 13 billing cycles
Regular APR
17.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- $0 annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- $0 annual fee
- With an interest-free financing option on balance transfers
- 0% introductory APR useful for big purchases
- Easy to manage via account view
Cons
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- With a high penalty interest rate
- Cash Flow Insight®: Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
- Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling.
- Roadside Dispatch®: A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
- Overdraft protection: You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.
Intro APR
0% on purchases and balance transfers for the first 13 billing cycles
Regular APR
17.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- $0 annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- $0 annual fee
- With an interest-free financing option on balance transfers
- 0% introductory APR useful for big purchases
- Easy to manage via account view
Cons
- No rewards for new and existing cardholders
- Can only apply online if you have an existing online bank account with PNC Bank
- With a high penalty interest rate
- Cash Flow Insight®: Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
- Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling.
- Roadside Dispatch®: A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
- Overdraft protection: You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.
When rating low-interest business credit cards like the PNC Visa® Business Credit Card, we look into the card’s introductory and ongoing APRs, additional features, annual fee, introductory and ongoing rewards, and any other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 25 | 25 |
Ongoing APR | 25 | 25 |
Additional Features | 10 | 10 |
Annual Fee | 10 | 10 |
Ongoing Rewards | 0 | 10 |
Introductory Rewards | 0 | 10 |
Other Fees | 5 | 10 |
Total Score | 75 | 100 |
Who the PNC Visa® Business Credit Card Is Best For
- Those looking to consolidate high-interest balances or finance large purchases: With a 0% introductory APR on both balance transfers and purchases for the first 13 billing cycles, this card is ideal for businesses wanting to pay down existing debt or spread out the cost of major investments without incurring additional interest.
- Those who prioritize low costs over rewards: This card is ideal for business owners who are focused on minimizing expenses, with features like a 0% introductory APR on purchases and balance transfers and no annual fee. While it doesn’t offer rewards or a welcome bonus, its cost-saving structure makes it ideal for businesses aiming to reduce spending.
- Those who prefer simplicity in managing expenses: It comes with useful online account tools, which help streamline expense tracking and management, making it easier to oversee your business finances.
- Those with PNC Bank checking accounts: If you have an existing checking account with PNC Bank, then consider getting this card to put all of your transactions in one bank.
See our recommended alternatives below if this card isn’t the best fit for your business. For options from the same issuing bank, check out our list of the best PNC Bank business credit cards.
PNC Visa® Business Credit Card Rewards
PNC Visa® Business Credit Card doesn’t come with a rewards program, but it offers several valuable benefits for business owners, including:
- A long 0% introductory APR on purchases and balance transfers for the first 13 billing cycles
- Competitive ongoing interest rates
- Lower overall fees, helping businesses keep expenses low
- Free expense management tools to help you track and manage your business spending
- Additional employee cards at no extra cost
- Visa benefits, like Zero Liability Protection, Purchase Security, and Extended Warranty Protection
PNC Visa® Business Credit Card Features
This card offers several key features to help you simplify managing your business finances and keep better track of your spending. Here’s what you can do with this card:
Manage Payment Practices
- Consolidate payments: Simplify your payment schedule by transferring balances from multiple creditors to your PNC Business Credit Card, allowing you to manage one payment per month.
- Optimize cash flow: Use the card’s competitive interest rate to finance short-term working capital needs, helping to minimize interest expenses while maximizing your business’s cash flow.
Use Account View
- Track employee purchases: Monitor cash flow and manage employee spending by setting individual spending limits for each employee card.
- Easily access information: Check your current balance, view pending transactions, and access up to 13 months of transaction details online.
- Manage employee cards: Add, activate, or close employee cards as needed.
- Payment flexibility: Make electronic payments or schedule recurring ones to ensure timely payments.
- Data integration: Download transaction details into Excel®, Quicken®, QuickBooks®, or export them using .csv files to streamline your business accounting.
View Credit Card Spending by Business Category
- Monitor spending with Cash Flow Insight®: When enrolled in Cash Flow Insight®, the Spend Analysis tool automatically assigns business categories to your PNC business credit card transactions. This helps you:
- Track where you and your employees are spending.
- Plan and budget for future business expenses more effectively.
Manage Business Risk
- Overdraft protection: Set up your PNC business credit card as overdraft protection for your PNC business checking account, ensuring you have available funds when needed.
- Contactless technology: Make everyday purchases faster and more convenient using PNC’s contactless payment technology.
Visa Benefits
- Zero liability fraud protection: Your business is protected against unauthorized charges if your Visa Business card is lost or stolen, including transactions made over the phone or online.
- Extended warranty: Double the original US manufacturer’s warranty on eligible purchases, up to one year for warranties of three years or less.
- Purchase security: Eligible items are covered for replacement, repair, or reimbursement within 90 days of purchase in case of theft or damage.
PNC Visa® Business Credit Card Fees
APR
- Introductory: 0% APR on purchases and balance transfers for the first 13 billing cycles after account opening
- Purchase: 17.24% to 27.24% variable—adjusts with the prime rate
- Balance transfer: 17.24% to 27.24% variable—adjusts with the prime rate
- Cash advance: 30.24% variable—adjusts with the prime rate
- Penalty: 34.24% variable—adjusts with the prime rate. This would be applied to all balances if you didn’t pay the minimum payments twice.
Fees
- Annual: $0
- Balance transfer: Either 5% of the amount of the transfer or $5, whichever is greater
- Foreign transaction: 3% of the transaction in United States dollars (USD)
- Cash advance: Either 4% of the advance or $10, whichever is greater, up to a maximum amount of $75
- Late payment: The amount will be based on the previous balance shown on the statement:
- $15 for previous balances of up to $99.99
- $29 for previous balances of $100 to $249.99
- $39 for previous balances of $250 and greater
- Overlimit: $39
- Returned payment: $35
- Returned convenience check: $35
The due date is at least 21 days after each billing cycle, with no interest on purchases if paid in full. Interest on cash advances and balance transfers starts from the transaction date.
- Online and mobile app: 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. Alternatively, you can use the PNC mobile app to pay from an existing 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. Note that it may take up to two business days for the payment to be reflected in your account.
- 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 Note that you must send it early enough that it arrives by the due date. Also, it is best for you to write your credit card number on your check too, for the bank teller's reference. : Send a check along with the payment slip included in your monthly billing statement. If you did not receive a statement, ensure to write your PNC account number on your check.
PNC Bank
PO Box 71335
Philadelphia, PA 19176-1335
PNC Visa® Business Credit Card Alternatives
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
16.99% - 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
16.99% - 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
If you’re looking for a business credit card with a longer 0% APR on purchases, the U.S. Bank Business Platinum Card is an excellent option. It comes with a $0 annual fee and offers an intro APR of 0% on purchases for 18 billing cycles. In addition to the extended APR, the card offers VISA Spend Clarity, a free expense management tool that lets you sync expenses, set controls for employee cards, generate reports, and more—making it easier to manage your business finances.
American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
If you want a business credit card that offers simple and valuable rewards, the American Express Blue Business Cash™ Card is a great option. You’ll earn 2% cash back on all eligible purchases, up to $50,000 each calendar year, then 1% after that. There is a $0 annual fee, and you’ll get an intro APR of 0% on purchases for 12 months from the date of account opening.
card_name
card_name
BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
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 $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Pros
- $0 annual, transfer, and foreign transaction fees
- Includes a welcome bonus offer
- Protection for lost or stolen cards
- Downloadable purchase records for easy bookkeeping
Cons
- No 0% Intro APR offer
- Requires an excellent credit score
- Lacks premium perks
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
- 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 $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Pros
- $0 annual, transfer, and foreign transaction fees
- Includes a welcome bonus offer
- Protection for lost or stolen cards
- Downloadable purchase records for easy bookkeeping
Cons
- No 0% Intro APR offer
- Requires an excellent credit score
- Lacks premium perks
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
If you’re looking for a business credit card that offers unlimited cash back, the card_name is a strong choice. You’ll earn 1.5% cash back on every purchase, with no caps or category restrictions, plus 5% cash back on hotels and rental cars booked through Capital One Travel. You can also earn a $500 cash bonus after spending $4,500 within the first 3 months of account opening. The card has a $0 annual fee, and you’ll enjoy a 0% intro APR on purchases for 12 months.
Frequently Asked Questions (FAQs)
It takes about 15 minutes to complete the application online. To apply, you’ll need to provide the following information:
- Your company’s Tax ID
- Your company’s annual revenue
- Your Social Security Number
- Your monthly housing payment
- Your gross annual income
Once you have these details ready, you can quickly apply online.
PNC Bank is located in Washington, D.C., and 28 states, namely:
- Alabama
- Arizona
- California
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Missouri
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia
- Wisconsin
To apply for the PNC Visa® Business Credit Card, a credit score in the range of 660 to 850, which is considered good to excellent, is typically required. However, please note that approval is not guaranteed and depends on a variety of factors, including your full credit profile and financial situation.
Bottom Line
The PNC Visa® Business Credit Card is best for business owners looking to transfer high balances and finance large purchases by taking advantage of the 0% APR on both purchases and balance transfers. It’s a great way to save on interest charges, and with a $0 annual fee, it helps you manage your transactions affordably. However, if rewards or travel perks are important to you, this card might not be the best fit.
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.