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PNC Visa Business Credit Card Review

The PNC Visa® Business Credit Card is a no-frills business credit card that offers a 13-month 0% annual percentage rate on balance transfers made within 90 days of opening an account and a standard variable APR of 15.24% to 25.24%. There is no annual fee, and the card offers several financial and risk management tools for small business owners.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR15.24% to 25.24%
  • Penalty APR28.99% variable
  • Balance Transfer Fee3% or $5 balance transfer fee, whichever is greater
  • Cash Advance FeeEither $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
  • Foreign Transaction Fee3%

  • Can qualify for a low APR.
  • Need a 13-month 0% annual percentage rate on balance transfers.
  • Prefer to avoid annual fees.

With this basic business credit card, you can make the most of the PNC Visa® Business Credit Card by using its low-interest features. First, the card offers 13-month 0% annual percentage rate on balance transfers, which can offer savings if you have high-interest business credit card balances.

Though it’s best not to carry a balance, the variable APR on this card is as low as 15.24%. That could help you save on interest if your business qualifies for the low rate and you occasionally need to carry a balance.

Editor’s Take

While you won’t earn rewards with the PNC Visa® Business Credit Card, your business can get savings from this card. With no annual fee and 13-month 0% annual percentage rate on balance transfers, it’s a good option if you need some relief from high-interest business credit cards. And if you can qualify for the 15.24% APR, that’s a fairly low rate you can count on if you ever need to carry a balance – though it’s best to avoid interest charges altogether.

Jessica MerrittContributor

There’s no welcome offer with the PNC Visa® Business Credit Card.

The PNC Visa® Business Credit Card doesn’t earn rewards.

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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