PNC Visa® Business Credit Card Review

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.

• 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 Visa^® Business Card 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 insurance¹ and Global Assist® Hotline². The Ink Business Unlimited^® Credit Card 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 Business 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 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

 
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 Visa^® Business Card

 
The U.S. Bank Business 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 APR for 12 billing cycles on purchases and N/A. 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 Visa^® Business Card 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

 
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.

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.