PNC business credit cards offer you distinctive advantages if you’re a business owner or an aspiring entrepreneur. The business credit cards provide tailored expense tracking tools, facilitating budget management. Plus, the cards offer competitive rewards programs, allowing you to earn cashback or rewards points on everyday purchases. PNC’s online banking platform simplifies your account management, with features like spending reports and account alerts. Additionally, you enjoy customizable credit limits and employee cards, plus you can adapt the credit card perks to suit your specific business needs. Overall, PNC business credit cards combine financial flexibility, rewards, and user-friendly features to support venture’s growth. PNC Bank offers you the flexibility of choosing a business credit card that charges no annual fee with a lower APR.
- PNC Cash Rewards® Visa Signature® Business Credit Card
- PNC Visa® Business Credit Card
- PNC points® Visa® Business Credit Card
- PNC Travel Rewards Visa® Business Credit Card
- PNC BusinessOptions® Visa Signature® Credit Card
Overview of 5 Best PNC Business Credit Cards
How to Choose Best PNC Business Credit Cards
Pros & Cons of Best PNC Business Credit Cards
What to Watch Out For
Pro Tips
Recap
1. PNC Cash Rewards® Visa Signature® Business Credit Card
The PNC Cash Rewards® Visa Signature® business credit card is best if you prefer a business credit card that supports unlimited cash back and a sign-up bonus. You earn up to 1.5% cash back on all eligible purchases and redeem it as a statement credit or deposit it into an eligible PNC Business checking or savings account. You can also earn a $400 bonus after spending $3,000 in the first three billing cycles.
Pros
- Offer unlimited 1.5% cash back on all purchases.
- Charges no annual fee.
- Promises 0% introductory APR on new purchases for 9 months.
- Supports a low ongoing APR of 16.24% to 25.24%.
- Gives a sign-up bonus of $400.
- Projects travel benefits, including lost luggage reimbursement, travel accident insurance, and auto rental collision damage waiver
- Offers Visa Signature benefits, such as purchase security and extended protection
Cons
- Provides limited redemption options for cash back.
- Charges a high APR for balance transfers (16.24% to 25.24%).
The PNC Cash Rewards Visa Signature business credit card is a business credit card that offers you a 1.5% cash back on all your purchases, with no limits or categories to track. Feel free to redeem your cash back as a statement credit, or deposit it into an eligible PNC business checking or savings account. Utilize the Account View feature for overseeing your employees’ purchases and tracking cash flow. Access your up-to-date balance and review pending transactions online. Additionally, you can establish customized spending limits for individual employee cards. One cool thing about this business credit card is that it allows you to track transaction details up to 13 months. Enjoy benefits such as compensation for lost luggage, coverage for travel accidents, waiver of auto rental collision damage, access to Roadside Dispatch® services. Additionally, you enjoy reports for lost or stolen cards, and access purchase security with extended protection
2. PNC Visa® Business Credit Card
The PNC Visa® business credit card is a credit card that offers some special features if you want to save on interest and manage your finances more easily. You enjoy 0% introductory APR on balance transfer within the first 13 billing cycles after you create your account. This can help you pay off your existing debt faster and save on interest charges.
Pros
- Offers a low APR.
- Projects 0% introductory APR on balance transfers.
- Charges no annual fee. There is no annual fee for this card.
- Features zero liability fraud protection. This card offers Zero Liability Fraud Protection, which means you are not responsible for unauthorized charges made on your card.
- Promotes contactless payments. This card supports contactless payments, which makes it easy and convenient to pay
Cons
- Offers no rewards program.
- Charges foreign transaction fees.
The PNC Visa® business credit card standard APR is between 15.24% and 25.24%, which is one of the lowest starting interest rates you can get on a business credit card. Plus, you receive a 13-month 0% APR on balance transfers made within the first 90 days of opening the account.
Thanks to this business credit card, you can effectively manage your venture’s payment practices. Combine your creditors’ billing dates by moving balances to your PNC business credit card and setting up a single monthly payment. Access short-term working capital and leverage the card’s competitive interest rate to reduce interest costs and boost cash flow.
3. PNC points® Visa® Business Credit Card
The PNC points® Visa® business credit card is a credit card that offers you the opportunity to earn rewards for your enterprise’ spending. You also enjoy flexible redemption options, and extended warranty protection and travel insurance for added security and convenience.
Pros
- Offers reward points for business expenses.
- Charges introductory 0% APR period.
- Requires no annual fee.
- Promises fraud protection.
- Offers expense management tools.
Cons
- Features variable APR after intro period.
- Requires good to excellent credit.
- Projects limited rewards redemption options.
The PNC Points® Visa® business credit card is a financial tool that caters to your venture’s needs. It offers a rewards program, the bank calls PNC points®, allowing you to earn points for every dollar you spend on eligible purchases. Redeem the points for a variety of rewards, such as travel, gift cards, merchandise, and cashback. This card comes with features like a competitive interest rate, which can assist you in managing expenses, improving cash flow, and minimizing interest costs. Additionally, it enables you to consolidate multiple billing dates into one monthly payment which simplifies your financial management. Overall, it’s a versatile card for you if you’re looking to optimize your spending and rewards.
4. PNC Travel Rewards Visa® Business Credit Card
The PNC Travel Rewards Visa® business credit card projects 1 mile for each $1 you spend on qualifying net purchases, with the first $2,500 in eligible net purchases earning double miles. Arrange your own travel and later exchange your miles for a statement credit. Enjoy savings without foreign transaction fees when making international purchases with your PNC Travel Rewards Visa business credit card. Plus, there’s no annual fee.
Pros
- Offers miles in reward for eligible net purchases.
- Projects double miles in reward on your first $2,500 in eligible net purchases
- Features flexibility to book your own travel and redeem miles.
- Charges no foreign transaction fees.
- Requires no annual fee.
Cons
- Features inconsistent rewards may be limited if you don’t travel frequently
- Promotes miles-based rewards that may not suit all your business needs.
The PNC Travel Rewards Visa® business credit card is your go-to if you frequently travel. It offers a rewards system where you earn one mile for every dollar you spend on eligible net purchases, with double miles awarded for the first $2,500 in such purchases. These miles can be redeemed for statement credits to offset travel expenses you book yourself. One notable advantage is the absence of foreign transaction fees, making it cost-effective for international spending. Additionally, the card comes with no annual fee, reducing the overall cost of ownership. While it’s advantageous for frequent travelers, you’re likely going to find the rewards PNC Travel Rewards Visa® credit card offers if your venture incurs little to no travel expenses.
Establish your PNC business credit card as a safeguard for your PNC business checking account, providing reassurance that you’re going to have the necessary funds when you need it.
5. PNC BusinessOptions® Visa Signature® Credit Card
The PNC BusinessOptions® Visa Signature® credit card gives you access to online reporting and spending management tools to facilitate expense control. Choose from three reward options, all without any associated program fees. Additionally, the Visa Signature® benefits, which offers outstanding travel perks when you use the business credit card. And, there is no annual fee.
Pros
- Requires no annual fee if your business . Requires less than $50,000 per year.
- Offers 3% cash back on gas and office supplies.
- Features 2% cash back on restaurants and travel.
- Promises 1% cash back on all other purchases.
- Charges no foreign transaction fees.
- Gives access to Visa Signature® benefits, such as travel accident insurance and purchase protection.
Cons
- Requires an annual fee of $500 for businesses that spend more than $50,000 per year.
- Offers no 0% introductory APR period.
- Features sign-up bonus that requires you to spend a lot of money in a short period of time.
The PNC BusinessOptions® Visa Signature® credit card is a versatile financial tool for your venture. It offers Visa Signature® benefits, including travel perks, insurance, and exclusive privileges. This business credit card allows you to select from multiple rewards options, letting you tailor your rewards to your enterprise needs. Whether you prefer cashback, travel rewards, or merchandise, you have choices. Additionally, it boasts a feature-rich online expense management system, aiding in financial control. With no annual fee, it’s a cost-effective choice for you especially if you’re looking to optimize your spending and access valuable benefits associated with Visa Signature® membership.
Overview of Best PNC Business Credit Cards
PNC Bank offers a range of business credit cards that meet diverse financial needs. Among the best PNC business credit cards, the PNC BusinessOptions® Visa Signature® credit card stands out. It provides you a lot of flexibility of choosing from multiple reward options, including cashback, travel rewards, and merchandise, all without an annual fee.
If your focus is on travel, the PNC Travel Rewards Visa® business credit card is a top pick. It earns miles for every eligible purchase you make, with double miles for the first $2,500 in spending. You can book your travel and redeem miles for statement credits, all while enjoying the convenience of no foreign transaction fees.
Lastly, the PNC Cash Rewards Visa® business credit card caters to your business if it seeks cashback rewards. It provides cash rebates on qualifying net purchases, making it a straightforward and lucrative choice for you to save on everyday expenses.
How to Choose Best PNC Business Credit Cards
Choosing the best PNC business credit card involves considering your specific business needs and financial situation. Here are six steps to help you make an informed decision:
- Assess your business needs: Determine your business spending habits and requirements. Are you looking for rewards, low-interest rates, or a balance transfer option?
- Check your credit score: Know your personal and business credit scores. Better scores can help you qualify for more favorable credit card terms.
- Compare card types: PNC offers various business credit cards, each with unique features. Compare options like cashback cards, travel rewards cards, or low APR cards.
- Review fees and APR: Consider annual fees, balance transfer fees, and the regular APR (Annual Percentage Rate). Choose a card with fees and rates that align with your financial goals.
- Analyze rewards programs: If rewards are important to you, evaluate the rewards structure. Look for cards that offer rewards on spending categories that benefit your business.
- Read the fine print: Carefully review the terms and conditions, including grace periods, credit limits, and any introductory offers. Understand the rewards redemption process.
Additionally, consult with a PNC representative or financial advisor to discuss your specific business circumstances and get personalized recommendations. This can help ensure you choose the best PNC business credit card for your needs.
Pros & Cons of Best PNC Business Credit Cards
- Pros
- Offer rewards programs: Many PNC business credit cards offer rewards programs, allowing you to earn cashback, points, or miles on your business expenses. This can help offset costs or provide travel benefits.
- Give introductory offers: The PNC business credit cards come with introductory offers, such as 0% APR on purchases or balance transfers for a specified period (except PNC BusinessOptions® Visa Signature® Credit Card). This can be beneficial for managing cash flow or consolidating debt.
- Support expense management tools: PNC often provides online tools and resources to help you track and manage your business expenses efficiently.
- Feature fraud protection: PNC offers security features and fraud protection to safeguard your business transactions.
- Projects flexibility: PNC’s range of business cards means you can choose one that aligns with your specific business needs, whether it’s cashback, travel rewards, or low APR.
- Cons
- Require a stellar credit score: Qualifying for the best PNC business credit cards require a strong personal and business credit history, making them less accessible if you’re just starting your enterprise.
- Project interest rates: While introductory APR offers can be attractive, the regular APR on PNC credit cards can be relatively high if you carry a balance.
- Feature complexity: The range of PNC business credit cards means you need to carefully compare the terms, fees, and rewards to find the right fit for your business.
- Charge foreign transaction fees: If your business involves international expenses, be aware that the PNC Visa® business credit card charges foreign transaction fees.
What to Watch Out For
When getting a business credit card, it’s essential to be vigilant and consider the following items to ensure you make a wise choice and manage your business finances effectively:
- Interest rates (APR): Pay close attention to the Annual Percentage Rate (APR). A high APR can lead to significant interest charges if you carry a balance. Look for cards with competitive interest rates, especially if you plan to carry a balance.
- Fees: Review the fee structure carefully. Common fees include annual fees, late payment fees, cash advance fees, and foreign transaction fees. Ensure you understand when and how these fees apply to your card.
- Credit limit: Consider the credit limit the right business credit card offers you. A low credit limit can restrict your ability to make larger business purchases. Ensure the card’s limit aligns with your enterprise spending needs.
- Rewards and benefits: Assess the rewards program and benefits. Different cards offer various rewards, such as cashback, points, or miles. Choose a card with rewards that match your business spending patterns. Additionally, look for perks like purchase protection, extended warranties, and travel benefits.
Pro Tips
- Understand that a business credit card can impact both your business and personal credit scores. Late payments or high credit utilization can negatively affect your creditworthiness. Conversely, responsible use can help build your business credit profile.
- Check if the card offers any introductory 0% APR periods or bonus rewards for signing up. These can provide short-term financial advantages.
- Ensure that the card issuer provides user-friendly online account management tools. Access to transaction histories, expense tracking, and spending reports can simplify financial management.
- Research the quality of customer service and support the card issuer provides. Timely assistance can be crucial if you encounter issues or have questions about your account.
- Understand the card’s payment terms, including the due date and grace period. Late payments can lead to fees and negatively impact your credit.
Recap
PNC offers a range of business credit cards to meet the specific needs of your venture. The best options depend on your priorities. The PNC Cash Rewards Visa business credit card is ideal if you’re a cashback enthusiast, offering up to 1.5% cashback on purchases. If you’re a frequent traveler, the PNC Travel Rewards Visa business credit card provides points for travel rewards. But if you’re seeking low interest rates, consider the PNC Visa Business credit card. Remember to evaluate annual fees, APR, and rewards structures carefully to align with your business spending habits and financial goals.
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