How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

PNC Visa® Business Credit Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
3.3
PNC Visa® Business Credit Card
Annual Fee
$0
Balance Transfer Intro APR
Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers
Regular Purchase & BT APR
15.24% to 25.24%
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The PNC Visa® Business Credit Card is a good choice for business owners looking to save on interest. It offers an intro APR on balance transfers and a low ongoing APR. It also offers a $0 annual fee and easy-to-use financial tools for small business owners. But, there’s no intro APR on purchases or a rewards program.

Pros and cons

  • Intro APR on balance transfers
  • Possible low ongoing APR
  • $0 annual fee
  • Easy to manage through online account tools
  • No rewards program or sign-up bonus
  • No intro APR on purchases
  • Foreign transaction fee

Is the PNC Visa® Business Credit Card good?

If you’re carrying a large amount of high-interest credit debt, you should consider transferring that debt to the PNC Visa® Business Credit Card. It’s an easy-to-use business credit card that’s great for saving on interest.

It offers an introductory 0% APR for the first 13 billing cycles following account opening on balance transfers, then a low regular APR of 15.24% to 25.24%. This lets you pay down debt faster, since your full payment goes toward your balance.

While there are business credit cards with better rewards and benefits, the PNC Visa® Business Credit Card is a good choice if you want to focus on paying off an existing balance.

How much can you save on interest?
We estimate that you can save around $985 in interest for a $6,000 transfer with the PNC Visa® Business Credit Card‘s introductory APR.

Quick facts

    • 0% intro APR on balance transfers for 13 months, after which a 15.24% to 25.24% APR applies
    • Set spending limits on employee cards
    • No annual fee
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Annual fee: $0
  • Sign-up bonus: None
  • Rewards: None
  • Regular purchase APR: 15.24% to 25.24%
  • Intro balance transfer APR: Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers
  • Balance transfer APR: 15.24% to 25.24%
  • Balance transfer fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
  • Foreign transaction fee: 3%
  • Other benefits: Online account management, Contactless payment, Zero liability fraud protection, Extended warranty and Purchase protection.
  • Credit needed: Good / Excellent

Intro Purchase APR

N/A

Regular Purchase APR

15.24% to 25.24%

Intro BT APR

Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers

Regular BT APR

15.24% to 25.24%

Annual Fee

$0

Cash Advance Fee

Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee of $75)

Foreign Transaction Fee

3%

Balance Transfer Fee

Either $5 or 3% of the amount of each balance transfer, whichever is greater.

PNC Visa® Business Credit Card benefits

  • Intro APR on balance transfers

    The PNC Visa® Business Credit Card comes with an introductory 0% APR for the first 13 billing cycles following account opening on balance transfers. After that, a 15.24% to 25.24% APR applies.

    There is a balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater. However, it’s on the lower end, since balance transfer fees typically range between 3% and 5%.

    Most business credit cards don’t offer an intro APR on balance transfers, making this card a good choice if you’re planning to use the card for a balance transfer. If you’re looking for an even longer intro balance transfer period the U.S. Bank Business Platinum Card offers an 18-month period and the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers a 15-month period.

    See all of our top picks for business balance transfer credit cards.

  • Low possible ongoing APR

    The PNC Visa® Business Credit Card offers a lower ongoing APR than most business credit cards. Its ongoing APR on purchases is 15.24% to 25.24%. If your credit score is high enough to qualify for the lower APR, you’ll pay significantly less interest than most business credit cards. This makes the PNC Visa® Business Credit Card a decent option for those who tend to carry a balance from month to month.

  • Easy to manage through online account tools

    The PNC Visa® Business Credit Card is extremely easy to manage because of its online account tools. It allows you to:

    • Check your current balance and view pending transactions
    • Set individual spending limits for employee cards
    • Add, activate or close employee cards
    • Access and download up to 13 months of transaction details
    • Make or schedule payments
    • Monitor where you and your employees are spending
    • Plan and budget future business needs
  • Other benefits

    The PNC Visa® Business Credit Card comes with a few additional benefits that can help you manage business risk:

    • Overdraft protection
    • Contactless technology
    • Zero liability fraud protection
    • Extended warranty
    • Purchase protection

    While these benefits are pretty standard for a business credit card, there are cards that offer much better business travel benefits. For example, The American Express Blue Business Cash™ Card offers car rental loss and damage insurance and Global Assist® Hotline. The Ink Business Unlimited® Credit Card offers travel and emergency assistance services and car rental collision damage waiver.

PNC Visa® Business Credit Card drawbacks

  • No rewards program or sign-up bonus

    You won’t earn a sign-up bonus or rewards for the purchases you make. Although this might not be a priority if you’re working on paying off debt, it’s nice to have if you plan to use a card long-term.

    If you prefer a balance transfer card that earns rewards, you should check out the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. It features a great cash back rewards program and an even longer intro APR for balance transfers, making it a true keeper card.

  • No intro APR on purchases

    While the PNC Visa® Business Credit Card offers an intro APR on balance transfers, it doesn’t offer one on purchases.

    There are options if you’re looking for an intro APR on both purchase and balance transfers. For example, The U.S. Bank Business Platinum Card offers a 0% intro APR on purchases for 18 billing cycles and a 0% intro APR on balance transfers for 18 billing cycles. After that, a 17.24% to 26.24% APR applies.

PNC Visa® Business Credit Card vs. U.S. Bank Business Platinum Card

| Disclosures
U.S. Bank Business Platinum Card*
U.S. Bank Business Platinum Card
Learn More
on U.S. Bank's secure site
0% intro APR on purchases for 18 billing cycles
17.24% to 26.24%
$0
N/A
  • Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24% to 26.24%.
  • 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 2024 World's Most Ethical Company® - Ethisphere Institute
  • Terms and conditions apply
660 720 850
Good / Excellent
*The information related to the U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
The U.S. Bank Business Platinum Card could save you even more on a balance transfer since it offers a slightly longer intro APR. You’ll get a 0% intro APR on balance transfers for 18 billing cycles. Then, a 17.24% to 26.24% APR applies.

It’s also the better choice if you’re planning to finance a large purchase because there’s a 0% intro APR on purchases for 18 billing cycles. Then, a 17.24% to 26.24% APR applies. Like the PNC Visa® Business Credit Card, there’s no rewards program with this card.

PNC Visa® Business Credit Card vs. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

| Disclosures
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®*
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Learn More
on U.S. Bank's secure site
0% intro APR for 15 billing cycles on purchases
19.24% - 28.24% variable
$0
Earn 3% cash back on eligible purchases at gas stations and EV
  • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
  • Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
  • 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 Travel 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.
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
  • Terms and conditions apply
660 720 850
Good / Excellent
*The information related to the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® also offers a slightly higher intro APR on balance transfers, plus an intro APR on purchases. You’ll get a 0% intro APR for 15 billing cycles on purchases and 0% intro APR on balance transfers for 15 billing cycles. Then, a 19.24% - 28.24% variable APR applies.

If you’re looking to earn rewards with your business credit card, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is also the better choice. You’ll 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 Travel Rewards Center. No limit on total cash back earned.. Plus, you’ll get a sign-up bonus with this card.

PNC Visa® Business Credit Card vs. The American Express Blue Business Cash™ Card

| Disclosures
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
0% on purchases for 12 months from date of account opening
18.49% - 26.49% Variable
No annual fee
Earn 2% cash back on all eligible purchases on up to $50,000
  • 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, 18.49% - 26.49%, 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.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you want a business credit card with rewards that are easy to manage, The American Express Blue Business Cash™ Card is a great choice. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. There’s no annual fee and you’ll get an intro APR of 0% on purchases for 12 months from date of account opening. Then, a 18.49% - 26.49% Variable APR applies.

On the downside, it doesn’t offer an intro APR on balance transfers. The PNC Visa® Business Credit Card is the better choice for paying down a balance.

Is the PNC Visa® Business Credit Card right for you?

If you’re in the market for a business credit card that offers an interest-free period on balance transfers, the PNC Visa® Business Credit Card is a decent choice. But if you prefer a balance transfer credit card with a longer intro APR period, as well as an intro APR on purchases and cash back rewards, you’ll want to look at another business credit card.

Want to compare business credit cards?
*To see rates & fees for The American Express Blue Business Cash™ Card, please click here.

The information related to the PNC Visa® Business Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.