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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 0% Intro APR on balance transfers for the first 13 billing cycles following account opening, then a low regular APR of 16.24% to 26.24% Variable. 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.
Intro Purchase APR
0% Intro APR on purchases for the first 13 billing cycles following account opening
Regular Purchase APR
16.24% to 26.24% Variable
Intro BT APR
0% Intro APR on balance transfers for the first 13 billing cycles following account opening
Regular BT APR
16.24% to 26.24% 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 5% of the amount of each balance transfer, whichever is greater.
Intro APR on balance transfers
The PNC Visa® Business Credit Card comes with an 0% Intro APR on balance transfers for the first 13 billing cycles following account opening. After that, a 16.24% to 26.24% Variable APR applies.
There is a balance transfer fee of either $5 or 5% 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 Triple Cash Rewards Visa® Business Card offers a 15-month period.
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 16.24% to 26.24% Variable. 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:
Other benefits
The PNC Visa® Business Credit Card comes with a few additional benefits that can help you manage business risk:
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 insurance1 and Global Assist® Hotline2. The Ink Business Unlimited® Credit Card (see rates & fees) offers travel and emergency assistance services and car rental collision damage waiver.
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 Triple Cash Rewards Visa® Business Card. 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 on purchases for 18 billing cycles and a N/A. After that, a 16.99% - 25.99% Variable APR applies.
| Credit Cards | Our Ratings | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | |
|---|---|---|---|---|---|
|
PNC Visa® Business Credit Card*
|
0% Intro APR on balance transfers for the first 13 billing cycles following account opening | 16.24% to 26.24% Variable | Either $5 or 5% of the amount of each balance transfer, whichever is greater. | ||
U.S. Bank Business Platinum Card*
|
N/A | 16.99% - 25.99% Variable | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. | ||
U.S. Bank Triple Cash Rewards Visa® Business Card*
|
N/A | 17.99% - 26.99% Variable | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. | ||
The American Express Blue Business Cash™ Card
|
N/A | N/A | N/A |
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 N/A. Then, a 16.99% - 25.99% Variable APR applies.
It’s also the better choice if you’re planning to finance a large purchase because there’s a 0% intro on purchases for 18 billing cycles. Then, a 16.99% - 25.99% Variable APR applies. Like the PNC Visa® Business Credit Card, there’s no rewards program with this card.
The U.S. Bank Triple Cash Rewards Visa® Business Card also offers a slightly higher intro APR on balance transfers, plus an intro APR on purchases. You’ll get a 0% intro on purchases for 12 billing cycles and N/A. Then, a 17.99% - 26.99% Variable APR applies.
If you’re looking to earn rewards with your business credit card, the U.S. Bank Triple Cash Rewards Visa® Business Card is also the better choice. You’ll earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). 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.
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 17.49% - 27.49% Variable APR applies (see rates & fees).
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.
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.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the PNC Visa® Business Credit Card, U.S. Bank Business Platinum Card and U.S. Bank Triple Cash Rewards Visa® Business Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
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