PNC Visa® Business Credit Card Review
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
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 no annual fee, it doesn’t offer a sign-up bonus or ongoing rewards.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
PNC Visa® Business 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:
Those who need a low ongoing APR
Intro APR
0% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
14.49% to 24.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- Low ongoing APR
- No 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
- 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% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
14.49% to 24.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- No annual fee
- No rewards on puchases
- Online account management tools allow you to manage your business credit card activity
Pros
- Low ongoing APR
- No 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
- 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 first take into consideration the introductory and ongoing APRs. We also rate the additional card features, annual fee, introductory and ongoing rewards, and any other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 20 | 25 |
Ongoing APR | 25 | 25 |
Additional Features | 8 | 10 |
Annual Fee | 10 | 10 |
Ongoing Rewards | 0 | 10 |
Introductory Rewards | 0 | 10 |
Other Fees | 8 | 10 |
Total Score | 71 | 100 |
Who the PNC Visa® Business Credit Card Is Best For
- Those who need to carry a balance: It comes with a low ongoing APR for both purchases and balance transfers
- Those who need to transfer balances from other credit cards: It offers a 0% APR introductory period for the first 13 billing cycles on balance transfers.
- Those who don’t need to earn rewards: It lacks a sign-up bonus and ongoing rewards on purchases.
If this PNC business credit card doesn’t fit your needs, check out our guide to the best PNC business credit card and the best small business credit cards.
PNC Visa® Business Credit Card Fees
APR
- Introductory APR: None on purchases—0% APR for the first 13 billing cycles when the balance is transferred within the first 90 days after opening an account.
- Ongoing APR on purchases and balance transfers: 12.24% to 22.24% variable—adjusts with the prime rate
- Cash advance APR: 24.24% variable—adjusts with the prime rate
- Penalty APR: 31.24% variable—adjusts with the prime rate. This may be applied to all balances in the event that two consecutive minimum payments aren’t received by the respective due dates.
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 U.S. dollars
- Cash advance: Either $10 or 4% of the amount of each transaction, whichever is greater
- 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
PNC Visa® Business Credit Card Rewards
PNC Visa® Business Credit Card doesn’t offer rewards for new and existing cardholders. However, you’ll enjoy the benefits of owning a card with a low ongoing interest rate and lower fees compared to most other business credit cards
How To Make Payments on the PNC Visa® Business Credit Card
- Online: Pay via PNC Online Banking. Make a one-time payment, or schedule recurring payments by selecting “Make a Payment” or “Pay Today” on your account activity screen.
- Mobile app: Use the PNC Mobile app to pay from a PNC checking or savings account.
- Automated payments: Sign up for automated payments by filling out the form available on pnc.com/cc-autopayform, then fax or mail it as indicated on the form.
- Phone: Call the 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: Mail a check with the coupon at the bottom of your statement. If you don’t use your payment coupon, ensure to write your PNC credit card account number on the check. Mailing your payment without your payment coupon can delay crediting of your payment. Send your payment to this address:
PNC Bank
PO Box 71335
Philadelphia, PA 19176-1335
PNC Visa® Business Credit Card Features
Travel Protection and Insurance
- Auto rental collision damage waiver: When you rent a car using this card, you’ll be reimbursed for damages caused by theft or collision up to the actual cash value of the rented car. Rental periods of 31 consecutive days are covered, though reimbursement doesn’t cover injury or damage to any other driver’s vehicle.
- Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling. To be eligible, the trip should be paid for entirely with this card. Refer to your guide to benefits to learn about coverage and exclusions.
- Travel and emergency assistance services: The travel and emergency assistance service, which is available 24/7, can connect you with the appropriate local resources if you have an emergency while you’re traveling. You’ll be responsible for the cost of any services provided.
- Lost luggage reimbursement: You can be reimbursed up to $5,000 per covered trip―or $2,000 per bag for New York residents―if your checked luggage and/or carry-on baggage, including contents, are lost due to theft or misdirection by the common carrier. You and your immediate family members are eligible for this benefit.
- Roadside Dispatch®: This is 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. You may call for roadside assistance 24/7 at (800) 847-2869. Please note that you’ll be responsible for any fees associated with the services.
Card Protection
- Overdraft protection: You can set up your card as overdraft protection for your PNC business checking account to ensure that you have funds when needed. This can help prevent overdrafts in case your account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This enables you to monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. When you enroll, the Spend Analysis tool will assign business categories to your credit card transactions automatically, allowing you to keep track of your expenses so that you can plan a budget for your future business needs.
Pros & Cons of the PNC Visa® Business Credit Card
| PROS | CONS |
|---|---|
| Comes with a low ongoing APR ranging from 12.24% to 22.24% for purchases and balance transfers, making this card a good option for those who need to carry a balance | Lacks a 0% introductory APR that applies to purchases—you’ll be charged the ongoing APR immediately |
| Doesn’t charge any annual fees | Doesn’t offer any rewards for their new and existing cardholders |
| Offers 0% APR on balance transfers for the first 13 billing cycles following account opening | Requires you to visit a branch to apply—you can only apply online if you have an existing online bank account with PNC Bank |
PNC Visa® Business Credit Card Alternatives
U.S. Bank Business Platinum Card
- U.S. Bank Business Platinum offers a 0% interest-free financing option of 0% on both purchases and balance transfers for the first 18 billing cycles
- Top-recommended 0% APR business credit card and best business credit card balance transfer offers
- No annual fee and a low ongoing APR of 16.99% to 25.99% variable
U.S. Bank Business Platinum 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:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 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 and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 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 and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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.
PNC Cash Rewards Visa Signature Business Credit Card
- PNC Cash Rewards® Visa Signature® Business Credit Card has an interest-free financing option of 0% on purchases for the first 9 billing cycles
- One of our leading 0% APR business credit cards
- Welcome bonus of $400 after spending $3,000 in qualifying purchases within the first 90 days after opening an account
- Unlimited 1.5% cash back on all eligible net purchases
PNC Cash Rewards® Visa Signature® Business 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:
PNC Bank account holders wanting to earn fixed-rate rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Citi Simplicity® Card
- Citi Simplicity® Card is a great alternative if you want a personal credit card that can be used for businesses
- One of our top business credit card balance transfer offers
- Interest-free financing option of 0% on balance transfers on the first 21 billing cycles and an interest-free financing option of 0% on purchases for the first 12 billing cycles
- Doesn’t charge any annual fee, late fee, and penalty rate
- Doesn’t have any rewards for new and existing cardholders
Citi Simplicity® 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:
Startups who need a lengthy 0% APR period fund business expenses
Intro APR
0% for 12 months
Regular APR
18.74% to 29.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Citi Simplicity® Card doesn’t offer any rewards for their new and existing cardholders.
Pros
- One of the longest 0% APR periods available
- No annual fee
Cons
- No rewards for new and existing cardholders
- Cannot build business credit
- Flexible payment due date: You can choose your preferred due date in the beginning, middle, or end of the month. In addition, you have the flexibility of paying either the full balance or just the minimum payment due every month.
- Mastercard® Identity Theft Protection program: If you’re a victim of identity theft, this can help you resolve the matter.
- Zero liability protection: Zero liability protects you against unauthorized charges on your account. You won’t be responsible for a charge that you didn’t authorize.
- No additional fees: Citi® does not charge additional fees, such as late fees or penalty rate, on the Citi Simplicity® Card.
Intro APR
0% for 12 months
Regular APR
18.74% to 29.49% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Citi Simplicity® Card doesn’t offer any rewards for their new and existing cardholders.
Pros
- One of the longest 0% APR periods available
- No annual fee
Cons
- No rewards for new and existing cardholders
- Cannot build business credit
- Flexible payment due date: You can choose your preferred due date in the beginning, middle, or end of the month. In addition, you have the flexibility of paying either the full balance or just the minimum payment due every month.
- Mastercard® Identity Theft Protection program: If you’re a victim of identity theft, this can help you resolve the matter.
- Zero liability protection: Zero liability protects you against unauthorized charges on your account. You won’t be responsible for a charge that you didn’t authorize.
- No additional fees: Citi® does not charge additional fees, such as late fees or penalty rate, on the Citi Simplicity® Card.
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 doesn’t have any annual fees. It should be noted that you can only apply online if you have an existing online bank account with PNC Bank.
