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PNC BusinessOptions® Visa Signature® Credit Card
PNC BusinessOptions® Visa Signature® Credit Card
- 15.49% to 21.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.49% to 21.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The PNC BusinessOptions® Visa Signature® Credit Card is a powerful all-in-one card that offers flexibility based on how you wish to use it for your company.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Choose either a pay-in-full option or a revolving credit option to pay off your balance
- Choose between cash rebates, PNC points®, and travel rewards as your card’s rewards program
- No foreign transaction fees
- No fees for additional employee cards, Add your company’s logo to your card
- Regular Purchase APR: 15.49% to 21.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.49% to 21.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
- Penalty APR: 33.49% variable based on the Prime Rate
- Annual Fee: $0 to $500
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: Up to $69
- You own or operate a small business
- You want 1.5% cash back on purchases through the revolving card account option
- You require a significant amount of spending to cover company expenses
- You want the flexibility to choose your line of credit type as well as the type of rewards program that will apply to your card
- You intend to have additional cards issued to employees
- You want a card with no foreign transaction fees
- You’re looking for a centralized account management portal that gives you real-time control over how your card (and your employees’) is used
PNC Visa® Business Credit Card
PNC Visa® Business Credit Card
- 14.49% to 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The PNC Visa® Business Credit Card prioritizes low APRs over perks, giving customers the benefit of saving on interest payments over the long run.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Introductory APR of 0% for 13 months on balance transfers
- No annual fee
- Add, activate, or close employee cards and set spending limits for each
- Manage your transactions online and download them to accounting software programs
- Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 13 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You own or operate a business
- You need additional working capital to cover expenses but prefer not to opt for a loan
- You want a credit card with a lower APR that can save you money on interest payments
- You’re looking for an introductory 0% APR offer on balance transfers
PNC Travel Rewards Visa® Business Credit Card
PNC Travel Rewards Visa® Business Credit Card
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The PNC Travel Rewards Visa® Business Credit Card is a business credit card that allows you to earn rewards miles for everyday business expenses so you can redeem them for future travel – company-related or otherwise.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1 mile per $1 spent in net purchases
- Earn double miles on your first $2,500 in eligible net purchases
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.49% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You own or operate a business
- You want the convenience of a credit card for fulfilling business needs of any scale or cost
- You are looking for a business credit card that will grant you rewards currency that you can later redeem for travel booking or statement credits
- You travel frequently
- You have multiple staff members and employee cards and require a centralized hub to easily manage transactions
PNC points® Visa® Business Credit Card
PNC points® Visa® Business Credit Card
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.49% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months after account opening Intro Purchase APR
At a Glance
The PNC points® Visa® Business Credit Card earns plenty of rewards points and offers a 0% APR introductory period for new cardmembers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5 points per $1 with no spending categories
- No limit to the amount of points you can earn
- 0% introductory APR for 9 months on purchases and balance transfers
- No annual fee
- Intro Purchase APR: 0% for 9 months after account opening
- Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening
- Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You own or operate a business
- You’re looking for another way to cover expenses without resorting to a loan or other form of working capital
- You prefer a credit card that also earns points as part of a rewards program
- You’re looking to make a considerable purchase that will require multiple payments and can benefit from a 0% APR period
- You want to consolidate existing debt into one account and save money on interest charges
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Cash Rewards® Visa Signature® Business Credit Card
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.49% to 24.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.49% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening Intro Purchase APR
At a Glance
Business owners that can put their spending to work for them will appreciate the PNC Cash Rewards® Visa Signature® Business, which earns unlimited 1.5% cash back with no category restrictions. There’s also a 0% intro APR offer and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $200 bonus when you make at least $3,000 in purchases within the first 3 months from account opening
- Earn 1.5% cash back on all purchases
- No limit to the amount of cash back that you can earn
- Redeem cash back anytime as a statement credit or as a deposit into an eligible PNC Business checking or savings account
- No annual fee
- Intro Purchase APR: 0% for 9 months from account opening
- Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You own or operate a small business
- You can take advantage of a credit card instead of a loan or other line of credit to handle business expenditures
- You want to earn cash back on any purchase when you cover costs for your business
- You want a central portal in which you can stay organized and manage the money that goes in and out of your account
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PNC Bank Credit Cards Rewards Guide
How to Earn Rewards
PNC Bank Credit Cards earn PNC Rewards with every purchase. The PNC Bank points Visa Card earn four points for every dollar spent on purchases, for example. Cardholders also earn additional points with additional PNC accounts or services:
- 25% Bonus Points: Earn 25% more PNC points with a Virtual Wallet, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance Select, or Performance checking account.
- 50% Bonus Points: Earn 50% more points while maintaining a Performance checking account, or a combination of a Virtual Wallet with Performance Spend and meeting minimum balance or deposit requirements each month.
- 75% Bonus Points:Â PNC Bank credit cards receive 75% more points when maintaining a Performance Select checking account or a combination of a Virtual Wallet with Performance Select and meeting minimum balance or deposit requirements each month.
Do PNC Rewards Expire?
PNC Reward points expire after four years. Additionally, if a PNC Bank credit card account is closed, the points are forfeited.
Value of PNC Rewards Points
The approximate valuation of PNC Rewards points is 0.25 cents per point. PNC Rewards have different values depending upon the award option; however, with travel offering the best value.
How to Redeem PNC Rewards
PNC Bank Rewards apply to several award options. These include gift cards, merchandise, hotel stays, car rentals, flights, cash back, and more. Cash back options include statement credits and deposits into PNC banking accounts. Â Points also apply to point-of-sale purchases using PNC Virtual Wallet.
Does PNC Bank Offer Preapproval?
PNC Bank does not offer online preapproval for their credit card offers. The bank does, however, send out pre-screen offers for those who may qualify for their credit cards. Because PNC does not provide a prequalification service, potential applicants must understand the credit requirements of PNC credit cards before applying. PNC Bank currently offers credit cards for those with good to excellent credit scores.
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