Chase vs PNC Business Credit Cards

(June 2024)

Chase vs PNC Business Credit Cards

In This Article

Our Verdict

Who Wins?

Chase wins the most out of this comparison. Imagine a business credit card that offers generous rewards, flexible redemption options, and a wide range of benefits, yes, that’s Chase. Chase may be the better choice for you because it possesses more business card options than PNC, and each card has a different bonus category, sign-up bonus, and annual fee that suit your needs. Chase is incomparable to PNC when it comes to branch and ATM locations. You can transfer your rewards to other Chase cards or partner programs for more value.

However, You may consider PNC if you need a business credit card that offers low fees, competitive interest rates, and simple cash-back rewards. In terms of business options, Chase also outshines PNC, but PNC cards have no annual fees and a 0% intro APR on purchases. It may surprise you that PNC also has lower fees and it has no foreign transaction fees or overlimit fees. Can you even imagine that PNC has some innovative credit card options that Chase does not offer?

Check the points below to see the key areas where Chase Business Credit Cards wins over PNC

  • Rewards: You can get numerous rewards such as cashback, points, miles, and travel credits. In fact, you can get a higher bonus category and sign-up bonuses of 3x points shipping and 100,000 points as a welcome bonus.
  • Redemption: Get more flexibility and value in redeeming your rewards than PNC. You can redeem your rewards for cash back, travel, gift cards, and merchandise, or transfer them to other Chase cards or partner programs. Do you know you can also get 25% more value when you redeem your points for travel through Chase Ultimate Rewards®?
  • Benefits: You can get top-class benefits such as purchase protection, extended warranty, travel insurance, car rental insurance, roadside assistance, cell phone protection, and airport lounge access.
  • Network: You have access to over 6,000 branches and 16,000 ATMs nationwide
  • Variety: You can choose from six different Chase business cards, each with a different focus and features.

However, know that the best business credit card for you depends on your spending habits, earning preferences, and financial goals. Compare the features and benefits of each card carefully before applying. 

Why Choose Chase Business Credit Cards

Why Choose Chase Business Credit Cards

Who Chase Business Credit Card Is Best For

Consider a Chase business credit card if you are a business person who:

  • Wants to earn generous rewards on your business spending like cash back, points, miles, or travel credits
  • Needs flexible and valuable redemption options for your rewards which include transferring them to other Chase cards or partner programs, or booking travel through Chase Ultimate Rewards®.
  • Wants to enjoy a variety of benefits that can protect your purchases, extend your warranty, insure your travel, cover your car rental, assist you on the road, protect your cell phone, or access airport lounges.
  •  Wants an issuer who can give you access to your account and cash through a large branch and ATM network nationwide.
  • Needs a bank that can give you the choice of different business card options that suit your specific needs and preferences.

Who Chase Business Credit Card Is Not Right For

Consider alternative options if you are a business person who:

  • Doesn’t like paying high fees, such as annual fees, foreign transaction fees, or balance transfer fees. 
  • Wants a friendly interest rate on your purchases and balance transfers.
  • Craves to have a straightforward rewards program that does not require much effort or planning. Know that Chase business cards have different reward categories, sign-up bonuses, and redemption options that might be confusing or overwhelming for you.
  • Needs access to personal loans or individual lines of credit. Be aware that Chase doesn’t offer these services to you if you are one of its business credit cardholders.
  • Needs a local or regional bank with a heavy presence in your area.

Why Choose PNC Business Credit Cards

Why Choose PNC Business Credit Cards

Who PNC Business Credit Card Is Best For

Settle for this issuer if you are a business person who:

  • Wants to avoid high charges like annual fees, foreign transaction fees, or over-limit fees.
  • Wants to enjoy flexible interest rates on your purchases and balance transfers 
  • Prefers straightforward cash-back rewards program that does not require much effort or planning. 
  • Wants to maintain the credit card holding status and simultaneously access the PNC personal loans and individual lines of credit. 
  • Prefers a local or regional bank that has a presence in Alabama, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin.

Who PNC Business Credit Card Is Not Right For

Explore other options if you are a business person who:

  • Wants to enjoy numerous rewards and benefits. PNC business cards offer only cash back or points rewards, and they are lower than most Chase business cards.
  • Wants to enjoy flexible and valuable redemption options for your rewards
  • Likes a variety of benefits that can protect your purchases, extend your warranty, insure your travel, cover your car rental, assist you on the road, protect your cell phone, or access airport lounges.
  • Prefers issuers with large branch and ATM networks nationwide.
  • Needs a bank that offers different business card options that suit your specific needs and preferences.

Chase vs PNC Business Credit Cards: Main Differences

Ideal For

Make Chase your option if you need a credit card issuer who offers you numerous rewards and bonuses including a large branch and ATM network. Nonetheless, choose PNC to enjoy packages such as 0% introductory APR and zero annual fees. In addition, PNC gives you a flexible interest rate and an easy cash-back rewards program. 

Pricing 

Understand that Chase business credit cards have higher annual fees, interest rates, balance transfer fees, and foreign transaction fees than PNC business cards. However, you can get more rewards, redemption options, and benefits than PNC business cards. This means that you may pay more for Chase business cards, but you also get more value from them. For instance, consider Chase Ink Business Premier℠ Credit Card. Even though it has an annual fee of $195, a variable APR of 19.24%–27.24%, a balance transfer fee of 5%, and a foreign transaction fee of 3%, you can also enjoy $1,000 bonus cash back after spending $10,000 in the first 3 months, 2.5% cash back on every purchase of $5,000 or more and 2% cash back on all other business purchases— not to mention other various benefits such as purchase protection, extended warranty, travel insurance, car rental insurance, roadside assistance, and cell phone protection.

On the other hand, PNC Cash Rewards® Visa Signature® Business Credit Card has no annual fee, a variable APR of 14.99% to 24.99%, a balance transfer fee of either $5 or 3% and no foreign transaction fee. But its reward package only contains a $400 bonus cash back after you spend $3,000 in your first 3 months on the card, unlimited 1.5% cash back on net purchases, and no other benefits.

Account Integrations

With Chase integrated payment solutions with some of the leading business software providers, such as BigCommerce®, FreshBooks, Eventzilla, and Fusebill, you can make payments online or in person, send invoices, track expenses, manage projects, organize events, and more. 

While PNC on the other hand has no third-party integration but offers you an account view which is an online tool that provides transaction details in a single view. You can use it to monitor your account activity, make payments, download statements, and request credit limit increases.

Standout Features 

Note that Chase has more reward options than PNC, and the bank also gives you more bonus points or cash back when you sign up or spend on certain categories. In addition, Chase can give you access to enjoy a lot of benefits that can help your business, such as purchase protection, extended warranty, travel insurance, car rental insurance, roadside assistance, cell phone protection, or airport lounge access. With Chase, you can get access to your funds anywhere in the U.S. 

However, PNC stands out when it comes to saving money on fees and interest rates.

PNC has no annual fees and no foreign transaction fees for its business cards. PNC also has lower interest rates than Chase for most cards, and they give you a 0% introductory rate for 12 or 13 months on purchases or balance transfers.

 

Chase vs PNC Business Credit Cards: Standout Features

Chase Business Credit Cards Stand Out Features

  • Offers competitive numerous rewards program
  • Allows you to redeem your rewards for cash back, travel, gift cards, and merchandise, or transfer them to other Chase cards or partner programs
  • Gives you a variety of benefits 
  • Has over 6,000 branches and 16,000 ATMs nationwide
  • Offers numerous card options 

PNC Business Credit Cards Stand Out Features

  • Has no annual fees and no foreign transaction fees
  • Offers 0% introductory APR on purchases or balance transfers for 12 or 13 months
  • Offers simple cash reward
  • Has a heavy presence in 21 states

Chase vs PNC Business Credit Cards: Savings Accounts

Chase wins this section. Do you know you can have two business savings account options, while PNC offers one? Also know that you can get variable interest rates on Chase, while PNC offers a fixed interest rate. Ready to pay a monthly service fee of  $20 while PNC does not. Chase requires a lower minimum deposit of $25 than PNC’s $100. In addition, Chase charges you limits and fees for transactions and deposits, while PNC does not.

Chase vs PNC Business Credit Cards: Checking Accounts

This section has no clear winner because both banks offer four different checking accounts and they offer some number of free transactions. While Chase charges up to $95 as a monthly fee, note that PNC has a monthly charge of up to $150.

Pros and Cons of Chase Business Credit Cards

  • Has a large network of ATMs and branches worldwide 
  • Offers customer support through social media and by phone
  • Offers various rewards programs for you
  • Gives you access to the numerous credit card options
  • Offers high fees on services such as overdrafts, out-of-network ATMs, foreign transactions, and wire transfers
  • Lacks heavy regional availability 
  • Has no personal loans or individual lines of credit.

Pros and Cons of PNC Business Credit Cards

  • Offers you no annual fee or foreign fees
  • Enjoy low-interest rates and 0% intro APR 
  • Offers you simple rewards 
  • Enjoy personal loans and individual lines of credit as a PNC cardholder
  • Has limited rewards options
  • Offers limited redemption options 
  • Has limited locations branches and ATMs
  • Offers limited card options

Chase vs PNC Business Credit Cards: Customer Reviews

No clear winner from this section as both banks share an A+ rating on Better Business Bureau’s website. They also maintain 1.3 stars from possible five stars on Trustpilot. However, the order of the game changes on ConsumerAffairs as PNC edges out with 3.6 stars out of 5 compared to Chase’s 1.2 stars out of five.

Chase business credit cards have mostly positive reviews from customers who appreciate the generous rewards, flexible redemption options, and variety of benefits and features. PNC business credit cards, on the other hand, have mostly mixed reviews from customers who appreciate the low fees, low-interest rates, and simple rewards. 

Chase and PNC Business Credit Cards Competitors

American Express

Choose American Express if you need an issuer that offers a range of business credit cards that address different needs and preferences. Some of this issuer’s popular credit cards are the American Express Blue Business Cash™ Card, the American Express® Business Gold Card, and the Business Platinum Card® from American Express.

Capital One

Do you even know that Capital One also offers a variety of business credit cards that suit different spending patterns and goals? Some of the popular cards you can get from this bank are the Capital One Spark Cash for Business, the Capital One Spark Miles for Business, and the Capital One Spark Classic for Business.

Bank of America

Pick Bank of America to get access to several business credit cards that offer cash back, points, or travel rewards. These credit cards are the Bank of America® Business Advantage Cash Rewards Mastercard®, the Bank of America® Business Advantage Travel Rewards World Mastercard®, and the Bank of America® Platinum Plus® Mastercard® Business card.

Pro Tips

Are you wondering about how you can choose the best business credit card for your business? Think no further, peruse these pro tips as a guide to help you choose the right issuer and the right card. 

  • Know your business needs and goals before you apply for a business credit card.
  • Compare different card options that suit your business.
  • Choose a card that matches your spending patterns and preferences.
  • use your credit card responsibly and strategically to maximize its benefits and avoid its drawbacks

Recap

Evaluate your needs before you settle on a card issuer. Both banks offer a range of business credit cards that cater to different needs and preferences.

If you like to earn generous rewards on your business spending, such as cashback, points, miles, or travel credits, you may like Chase better. Likewise, consider PNC if you like to save money on fees and interest rates. Think about what matters most to you before applying for a card from either bank. You can also compare the features and benefits of each card on their websites.

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