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PNC Points Visa Business Credit Card Review

The PNC points® Visa® Business Credit Card is a rewards card offering five points per dollar on purchases in all spending categories. There are no limits to the amount of points you can earn, and you can combine your personal and business points. You can choose to allow your employees to accumulate points individually or at the company level. There is no annual fee. The card offers a 0% introductory APR for nine billing cycles on purchases and any balance transfers made within 90 days of opening an account.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR15.99% to 24.99%
  • Penalty APR28.99% variable
  • Balance Transfer Fee$5 or 3% of the amount of each balance transfer, whichever is greater
  • Cash Advance FeeEither $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
  • Foreign Transaction Fee3%

  • Want a no-annual-fee business credit card.
  • Can use an introductory 0% APR period on purchases and balance transfers.
  • Don’t plan to use the card abroad.

The card has no annual fee and a rewards program, both of which can benefit business owners. The 0% introductory APR on purchases and balance transfers is also helpful. If you have a large business purchase to make or a lingering balance to pay off from another card, you’ll get nine months of introductory 0% APR. This can give new or growing businesses extra time to manage their cash flow without paying interest.

Editor’s Take

The PNC points® Visa® Business Credit Card’s five points per dollar on purchases in all spending categories rate may sound amazing, but it’s not particularly valuable since five points equals one cent. Point values vary depending on how you redeem, so explore your options to get the most out of your points.

Dawn PapandreaContributor

The PNC points® Visa® Business Credit Card does not have a welcome offer.

As the PNC points® Visa® Business Credit Card offers five points per dollar on purchases in all spending categories, you will earn rewards on every purchase. Compare redemption values to make sure you’re getting the most from your rewards when it’s time to cash in.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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