PNC Visa® Business Credit Card Review for 2022
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.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
The PNC Visa® Business Credit Card is designed for business owners who need to carry a balance, as this card offers a low ongoing annual percentage rate (APR). It also offers a 0% APR introductory period on balance transfers. While this business credit card comes with no annual fee, it also doesn’t offer a sign-up bonus or ongoing rewards.
PNC Visa® Business Credit Card
Intro APR
0% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
12.24% to 22.24% 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
12.24% to 22.24% 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.
Do you want to compare the features of one card to another? We’ve made it easy for you to do that—check off up to three cards on this page (see PNC Visa® Business Credit Card Alternatives) to add them to your cart. This will allow you to view the details in a side-by-side comparison.
How We Evaluate Low-Interest Business Credit Cards
When rating low-interest 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 | 15 | 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 | 166 | 100 |
Who the PNC Visa® Business Credit Card Is Best For
- Business owners who need to carry a balance: The PNC Visa® Business Credit Card comes with a low ongoing APR ranging from 9.99% to 19.99%.
- Business owners who need to transfer balances from other credit cards: The PNC Visa® Business Credit Card offers a 0% APR introductory period for the first 13 billing cycles on balance transfers.
- Business owners who don’t need to earn rewards: While this card offers a low APR and a zero-interest introductory period for balance transfers, it doesn’t offer a sign-up bonus or ongoing rewards on purchases.
PNC Visa® Business Credit Card Fees
- 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: 9.99% to 19.99% variable—adjusts with the prime rate
- Annual fee: $0
- Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: 3% of the amount of each foreign transaction in United States dollars
- Cash advance fee: $10 or 4% of the amount of each transaction, whichever is greater—APR is 21.99%
How To Make Payments on the PNC Visa® Business Credit Card
- Online: Pay your PNC Visa® Business Credit Card 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 to pay from a PNC checking or savings account.
- Automated payments: Sign up for automated payments by filling out the form available at pnc.com/cc-autopayform, then fax or mail it as indicated on the form.
- By 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, make sure 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 P.O. Box 71335
Philadelphia, PA 19176-1335
PNC Visa® Business Credit Card Rewards
The PNC Visa® Business Credit Card doesn’t offer introductory and ongoing rewards. 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.
PNC Visa® Business Credit Card Additional Features
Cash Flow Insight®
Cash Flow Insight® helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. When you enroll in Cash Flow Insight®, the Spend Analysis tool will assign business categories automatically to your credit card transactions, allowing you to keep track of your expenses so that you can plan a budget for your future business needs.
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. This can help prevent overdrafts in case your account doesn’t have sufficient funds to cover your check transactions.
Auto Rental Collision Damage Waiver
When you rent a car using your PNC business credit 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. Reimbursement doesn’t cover injury or damage to any other driver’s vehicle.
Roadside Dispatch®
Roadside Dispatch 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.
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 when you pay for your trip using your PNC Visa® Business Credit Card.
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 using your PNC Visa® Business Credit Card. Refer to your guide to benefits to learn about coverage and exclusions.
Travel & 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.
Pros & Cons of the PNC Visa® Business Credit Card
| PROS | CONS |
|---|---|
| Low ongoing APR: The PNC Visa® Business Credit Card comes with a low ongoing APR ranging from 9.99% to 19.99%, making this card a good option for those who need to carry a balance. | No 0% APR on purchases: The 0% introductory APR doesn’t apply to purchases—you will be charged an ongoing APR that ranges from 9.99% to 19.99%. |
| No annual fee: You can enjoy the benefit of a business credit card with a low ongoing APR without having to pay an annual fee. | No rewards: You won’t earn a sign-up bonus or ongoing rewards on purchases. |
| Long 0% APR period on balance transfers: This small business credit card offers 0% APR on balance transfers for the first 13 billing cycles. | Online application not available for non-account holders: You can only apply online if you have an existing online bank account with PNC Bank—if not, you’ll need to visit a branch to apply in person. |
PNC Visa® Business Credit Card Alternatives
PNC Cash Rewards Visa Signature Business Credit Card
The PNC Cash Rewards® Visa Signature® Business Credit Card is an excellent option if you want to earn cash back rewards. This card offers unlimited 1.5% cash back on all eligible purchases. Although this card comes with a slightly higher APR that ranges from 10.99% to 19.99%, this APR is still considered low compared to most other business credit cards.
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% 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
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% 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
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Bank of America® Business Advantage Customized Cash Rewards World Credit Card
The Bank of America® Business Advantage Customized Cash Rewards credit card is another great alternative if you want a no-annual-fee credit card that charges a low ongoing APR. You can earn cash back rewards on your purchases and enjoy 75% more cash back if you have an existing Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier.
Business Advantage Cash Rewards 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:
Up to 3% cash back in a spending category of your choice
Intro APR
0%
Regular APR
13.74% - 23.74% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening―with no annual fee and cash rewards don't expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
- You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
- Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
Pros
- Flexible redemption options
- No annual fee
- Sign-up bonus
Cons
- Premium rewards are capped at $50,000 each year
- Earns top rewards in only one spending category only
- Short 0% APR period
- 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
13.74% - 23.74% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening―with no annual fee and cash rewards don't expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
- You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
- Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
Pros
- Flexible redemption options
- No annual fee
- Sign-up bonus
Cons
- Premium rewards are capped at $50,000 each year
- Earns top rewards in only one spending category only
- Short 0% APR period
- 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.
U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum card is a great option if you want a longer 0% introductory APR period. It offers a zero-interest financing option for 18 billing cycles on both purchases and balance transfers. It also comes with no annual fee and a low ongoing APR ranging from 14.99% to 23.99%. Like the PNC Visa® Business Credit Card, this small business credit card doesn’t offer introductory and ongoing rewards.
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
0% Intro APR on purchases and balance transfers for 18 billing cycles.
Regular APR
14.99% - 23.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 14.99% - 23.99%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Intro APR
0% Intro APR on purchases and balance transfers for 18 billing cycles.
Regular APR
14.99% - 23.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 14.99% - 23.99%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
For other PNC business credit cards alternatives, check out our guide to the best PNC business credit cards.
Bottom Line
The PNC Visa® Business Credit Card is a no-annual-fee credit card that has a low ongoing APR. It offers an interest-free financing option on balance transfers. However, this card doesn’t offer ongoing rewards, which is rare, even among credit cards that charge a low APR. To find other options, visit our Credit Card Marketplace or check out our guide to the best small business credit cards.
