PNC Visa® Business Credit Card is designed for business owners who need to carry a balance as it offers a low ongoing annual percentage rate (APR). It also provides a 0% APR introductory period on balance transfers for the first 13 billing cycles. However, while it comes with a $0 annual fee, it doesn’t offer rewards.
PNC Visa® Business Credit Card
BEST FOR:
Existing PNC Bank account holders that need to carry a balance
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- Does not charge an annual fee
- With an interest-free financing option on balance transfers
Cons
- No interest-free financing option on purchases
- 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.
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- Does not charge an annual fee
- With an interest-free financing option on balance transfers
Cons
- No interest-free financing option on purchases
- 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 | 18 | 25 |
Ongoing APR | 20 | 25 |
Additional Features | 8 | 10 |
Annual Fee | 10 | 10 |
Ongoing Rewards | 0 | 10 |
Introductory Rewards | 0 | 10 |
Other Fees | 5 | 10 |
Total Score | 61 | 100 |
Who the PNC Visa® Business Credit Card Is Best For
- Those who intend to transfer a significant balance: It offers a 0% APR introductory period on balance transfers for the first 13 billing cycles.
- Those who don’t need to earn rewards: The card does not have a welcome offer and rewards.
- 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. If you’re interested in opening an account, read our PNC Bank business checking review.
PNC Visa® Business Credit Card Rewards
PNC Visa® Business Credit Card doesn’t offer rewards. However, you’ll enjoy the benefits of owning a card with a long 0% introductory period on balance transfers, low ongoing interest rates, and lower fees compared to most other business credit cards.
PNC Visa® Business Credit Card Features
Visa® benefits
- Purchase security and extended warranty protection: Secure both purchase security and extended warranty protection, which can help protect the purchases made with your card:
- Purchase security: Get coverage of up to $10,000 per claim and $50,000 per account in case of theft or damage to purchases made with your card. Also, receive purchase protection within the first 90 days from the date of purchase. Terms and exclusions apply.
- Extended warranty protection: Get up to one additional year on eligible warranties of three years or fewer.
- Auto rental collision damage waiver: Receive protection on your rental vehicles after paying the whole rental fee. You’ll have to decline the optional collision damage waiver offered by the rental company to receive reimbursements of up to the actual cash value of the rented vehicle.
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 992-6029 to request emergency assistance while traveling. Note that you will shoulder the costs if you were to request assistance.
- Roadside Dispatch®: Call (800) 847-2869 to secure roadside dispatch, a pay-per-use roadside assistance program. For a set price per service call, you may receive the following services:
- Standard towing, up to five miles included
- Tire changing
- Jump-starting
- Lockout service (no key replacement)
- Fuel delivery, up to five gallons (includes the cost of fuel)
- Standard winching
Cash and account management
- Cash Flow Insight®: Monitor where you and your employees are spending, and plan and budget future business needs with PNC Bank’s Cash Flow Insight®.
- Online account management: Use PNC Bank’s online account management to:
- Check current balance and view pending transactions
- Set individual spending limits for each employee card
- Add, activate, or close employee cards
- Pay electronically or schedule recurring payments
- Access up to 13 months’ worth of transaction history
- Download transactions into Excel, Quicken, or QuickBooks, or use comma-separated values (CSV) files
PNC Visa® Business Credit Card Fees
APR
- Introductory: None on purchases—0% APR for the first 13 billing cycles after making a transfer within the first 90 days after opening an account.
- Ongoing and balance transfers: 15.24% to 25.24% variable, which adjusts with the prime rate
- Cash advance: 27.24% variable, which adjusts with the prime rate
- Penalty Penalty APR may be applied to all balances in the event that two consecutive minimum payments aren’t received by the respective due dates. : 34.24% variable, which adjusts with the prime rate
Fees
- Annual: $0
- Balance transfer: Either $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction: 3% of the amount of each foreign transaction in United States dollars (USD)
- Cash advance: Either $10 or 4% of the amount of each transaction, whichever is greater (maximum fee of $75)
- Late payment:
- $15 for previous balances up to $99.99
- $29 for previous balances from $100 to $249.99
- $39 for previous balances of $250 and greater
- Overlimit: $39
- Returned payment and returned convenience check: $35
- 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: 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
The PNC Visa® Business Credit Card does not offer a 0% introductory period on purchases. Consider the U.S. Bank Business Platinum Card, as it offers a long 0% introductory period on purchases for the first 18 billing cycles.
BEST FOR:
Extended 0% APR period on purchases 
U.S. Bank Business Platinum Card
Pros
Cons
Pros
Cons
PNC Cash Rewards® Visa Signature® Business Credit Card
The PNC Visa® Business Credit Card lacks introductory and ongoing rewards. An alternative PNC Bank business credit card we recommend is the PNC Cash Rewards® Visa Signature® Business Credit Card. It provides a welcome offer of $400 after meeting spending requirements and lets you earn an unlimited 1.5% cash back on all purchases.
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn fixed-rate cash back rewards
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- Does not charge an annual fee
Pros
- Charges $0 annual fees
- Welcome offer
- Has a low regular APR for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires having an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- Does not charge an annual fee
Pros
- Charges $0 annual fees
- Welcome offer
- Has a low regular APR for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires having an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
Bank of America® Business Advantage Unlimited Cash Rewards
If you’re looking for a non-PNC Bank business credit card with rewards, we suggest you consider the Bank of America® Business Advantage Unlimited Cash Rewards. On top of offering fixed-rate cash back rewards, it also provides multiple redemption options to your earned cash back.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
BEST FOR:
Those with an existing business checking account with Bank of America
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 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 fees
- Flexible redemption options
- With welcome offer
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 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 fees
- Flexible redemption options
- With welcome offer
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Frequently Asked Questions (FAQs)
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
You can request a credit limit increase in four ways, in case you didn’t get an automatic credit limit increase from PNC Bank:
- Mobile app: Login to the PNC Mobile app and tap “Cards.” Choose “Card Actions” and click “Manage credit limit” to make your request.
- Online: Log in to PNC Online Banking and click the “Customer Service” tab. Within the “Credit Cards Accounts” section, choose “Request Credit Limit Change” to make your request.
- Call: Call (800) 558-8472 and follow the prompts to make the credit limit increase request.
- In-person: Go to the nearest PNC Bank physical branch to request the credit limit increase.
Call (855) 762-2365 from Monday through Friday from 8:30 a.m. to 8 p.m. Eastern time to talk with a PNC Business Banking representative. You can also apply either online or in person at the nearest PNC Bank branch.
Bottom Line
Consider the PNC Visa® Business Credit Card if you have a running balance and will be transferring balances from one credit card to another. It offers an interest-free financing option of 0% on balance transfers for the first 13 billing cycles, charges a low ongoing APR for both purchases and balance transfers, and carries a $0 annual fee. It should be noted that you can only apply online if you have an existing online bank account with PNC Bank.
