PNC Visa® Business Credit Card is designed for business owners needing 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 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
BEST FOR:
Existing PNC Bank account holders that need to carry a balance
Intro APR
0% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
14.99% to 24.99% 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
- 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
- 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% for the first 13 billing cycles after opening an account on balance transfers
Regular APR
14.99% to 24.99% 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
- 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
- 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 first take into consideration the introductory and ongoing APRs. We also rate the additional card features, annual fees, introductory and ongoing rewards, and any other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 18 | 25 |
Ongoing APR | 22 | 25 |
Additional Features | 8 | 10 |
Annual Fee | 10 | 10 |
Ongoing Rewards | 0 | 10 |
Introductory Rewards | 0 | 10 |
Other Fees | 5 | 10 |
Total Score | 63 | 100 |
Who the PNC Visa® Business Credit Card Is Best For
- Those who want 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.
- 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 review of PNC Bank business checking.
See our recommended alternatives below if this card isn’t the best fit for your business.
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: 14.99% to 24.99% variable—adjusts with the prime rate
- Cash advance: 26.99% variable—adjusts with the prime rate
- Penalty: 33.99% 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 (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: 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-branch: Visit the nearest PNC Bank branch during normal branch hours.
- Phone: Call PNC 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: 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 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 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.
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 and emergency assistance services: Call the Benefit Administrator at (800) 922-6029 if you are in the United States or (804) 673-1675 if you are outside of the US in cases of emergency.
- 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.
- Purchase security and extended warranty protection:
- Purchase security: You are entitled to a maximum of $10,000 per claim and $50,000 per cardholder in the event of theft or damage to your purchases.
- Extended warranty protection: Your warranty coverages are extended to an additional year on warranties with three years or less.
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.
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 and balance transfers
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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.
- Is ideal for those who are looking for a long 0% introductory APR as it offers both purchases and balance transfers for the first 18 months
- Does not charge annual fees
- Lacks rewards for new and existing cardholders
- Is on our lists of the:
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn fixed-rate cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
19.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 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
- No annual fee
Pros
- Charges $0 annual fees
- Has a sign-up bonus
- Has a low regular annual percentage rate (APR) for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires to have 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.
Intro APR
0% for 9 billing cycles
Regular APR
19.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 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
- No annual fee
Pros
- Charges $0 annual fees
- Has a sign-up bonus
- Has a low regular annual percentage rate (APR) for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires to have 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.
- Is an excellent PNC Bank business credit card alternative if you need an unlimited 1.5% fixed-rate cash back, regardless of spending categories
- Has a 0% introductory APR on purchases for the first nine billing cycles
- Does not charge annual fees
- Is one of our:
You can also check our list of the best PNC Bank business credit cards for more options.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Is a great choice if you both want a 0% introductory period for purchases and balance transfers (for the first 15 billing cycles) and cash back rewards
- Does not charge annual fees
- Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases
- Is on our lists of the:
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.
