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PNC Visa® Business Credit Card Review

PNC Visa® Business Credit Card Review

Purchase APR
10.74% to 20.74% variable
Annual Fee
$0
Other benefits
Ability to monitor employee spending
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the PNC Visa® Business Credit Card best for?

If you’ve incurred a large amount of high-interest credit debt while trying to cover business expenses, you should consider transferring that debt to a card that offers an intro APR on balance transfers for a year or longer, like the PNC Visa® Business Credit Card.

The PNC Visa® Business Credit Card offers an introductory 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening, then a regular APR of 10.74% to 20.74% variable. This gives you the opportunity to save on interest charges while paying down your debt.

We review the pros and cons of the PNC Visa® Business Credit Card, and show how it compares to similar cards, to help you determine if it’s the right small business credit card to suit your needs.

PNC Visa® Business Credit Card overview

    • 0% intro APR on balance transfers for 13 months, after which a 10.74% to 20.74% variable APR applies
    • Set spending limits on employee cards
    • No annual fee
  • Credit needed:
    660 850
    Excellent/Good
  • Online account management
  • Monitor where you and your employees are spending
  • Extended warranty protection
  • Purchase protection

Intro Purchase APR

N/A

Regular Purchase APR

10.74% to 20.74% variable

Intro BT APR

0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening

Regular BT APR

10.74% to 20.74% variable

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.

Pros and cons

Pros

  • Intro APR on balance transfers
  • $0 annual fee
  • Possible low ongoing APR

Cons

  • No rewards program
  • No intro APR on purchases

What we like about the PNC Visa® Business Credit Card

  • Intro APR on balance transfers

    The PNC Visa® Business Credit Card comes with an introductory 0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening. After that, a 10.74% to 20.74% variable APR applies.

    Note, there is a balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater.

  • Annual fee

    The PNC Visa® Business Credit Card charges a $0 annual fee.

  • Low possible ongoing APR

    You can potentially qualify for a low ongoing APR on purchases of 10.74% to 20.74% variable.

What to watch out for with the PNC Visa® Business Credit Card

  • No rewards program

    With the PNC Visa® Business Credit Card, you won’t earn a sign-up bonus or rewards for the purchases you make.

    But when transferring a balance, it’s best to focus on paying off the transferred balance before the promotional period ends, rather than racking up rewards —which could potentially lead to more debt.

  • No intro APR on purchases

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

    Therefore, if you plan to carry a balance on your card from purchases month over month, you will be subject to interest charges at an APR of 10.74% to 20.74% variable.

Alternate business card to the PNC Visa® Business Credit Card

Compare it to the 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®
on U.S. Bank's secure site
0% Intro APR for 15 billing cycles on purchases
16.24% - 25.24% (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 16.24% - 25.24%.
  • 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
660 850

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’re interested in a business credit card that offers cash back rewards and an intro APR on purchases and balance transfers, you may want to consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.

With the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, cardholders 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, cardholders receive the following 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.

Like the PNC Visa® Business Credit Card, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers an intro APR on balance transfers — but for a longer time period. Cardholders receive an APR of 0% Intro on balance transfers for 15 billing cycles, then a 16.24% - 25.24% (variable) APR applies.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® also offers a 0% Intro APR for 15 billing cycles on purchases. After that, a 16.24% - 25.24% (variable) APR applies.

The card comes with a $0  annual fee; however, there is a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.

Compare the PNC Visa® Business Credit Card to similar cards

Comparison of four different credit cards
PNC Visa® Business Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>®</sup> Edward Jones Business Plus MasterCard Credit Card U.S. Bank Business Platinum Card
PNC Visa® Business Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Edward Jones Business Plus MasterCard Credit Card U.S. Bank Business Platinum Card
Read Review
Apply Now
on U.S. Bank's secure site
Read Review
Apply Now
on U.S. Bank's secure site
Annual Fee
$0 $0 $0 $0
Welcome Offer
N/A 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. 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening N/A
Intro Balance Transfer APR
0% APR for 13 billing cycles on balances transferred within the first 90 days following account opening 0% Intro on balance transfers for 15 billing cycles 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening 0% intro APR on balance transfers for 20 billing cycles
Regular Balance Transfer APR
10.74% to 20.74% variable 16.24% - 25.24% (Variable) 16.49% to 27.49% (variable) 14.24% - 23.24% (Variable)
Balance Transfer Fee
Either $5 or 3% of the amount of each balance transfer, whichever is greater. Either 3% of the amount of each transfer or $5 minimum, whichever is greater 0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Rewards Rate
N/A 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. Earn points for every $2 spend on up to $40,000 and 2 points on every $1 spent over $40,000 N/A
Intro Purchase APR
N/A 0% Intro APR for 15 billing cycles on purchases N/A 0% intro APR on purchases for 20 billing cycles
Regular APR
10.74% to 20.74% variable 16.24% - 25.24% (Variable) 16.49% to 27.49% (variable) 14.24% - 23.24% (Variable)
Recommended Credit
Excellent/Good Excellent/Good N/A Excellent/Good
Card Details
PNC Visa® Business Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Edward Jones Business Plus MasterCard Credit Card U.S. Bank Business Platinum Card

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, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a much better option.

That said, while the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers one of the longest intro APRs on balance transfers currently available for a business credit card, know that it is possible to find a business credit card with an even longer intro APR period.

Also know, when completing a balance transfer, you cannot transfer debt between two cards from the same issuer. So, for example, if you have existing credit card debt from a PNC card, you cannot transfer it to the PNC Visa® Business Credit Card.

The information related to the Edward Jones Business Plus MasterCard Credit Card and U.S. Bank Business Platinum Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

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.