PNC Cash Rewards® Visa
Business Credit Card

PNC Cash Rewards®
Visa Signature® Business Credit Card

Image of Credit Card

Earn a $400 Bonus when you open and use a new PNC Cash Rewards Visa Signature Business credit card.[1]

To qualify for this offer: Make at least $3,000 in qualifying net purchases[2], using your PNC Cash Rewards Visa Signature Business credit card account, during the first three billing cycles following account opening.

Introductory 0% APR for the first 9 billing cycles following account opening on purchases. Then a variable APR, currently 19.24% to 27.24%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.

Key Features

Earn 1.50% Cash Back on
Net Purchases[2]

No limits on the amount you
can earn.

Online Account

A variety of online tools to manage your business credit card activity.

Visa Signature® 

Provides travel benefits and protection for purchases.

Account Overview

Earn 1.5% Cash Back on net Purchases[2]   

  • Enjoy no limits on the amount of cash back you earn.
  • Redeem cash back as a statement credit, or deposit cash back into an eligible PNC Business checking or savings account.

Use Account View to Manage Employee Purchases and to Monitor Cash Flow

  • Check your current balance & view pending transactions online.
  • Set individual spending limits for employee cards.
  • Add, activate or close cards.
  • Make payments electronically or schedule recurring payments.
  • Access up to 13 months of transaction detail.
  • Download transactions into Excel®, Quicken®, QuickBooks® or use .csv files.

View your PNC Business Credit Card Spending by Business Category

When you enroll in Cash Flow Insight® our Spend Analysis tool will automatically assign business categories to your posted PNC business credit card transactions. This will help you:

  • Monitor where you and your employees are spending.
  • Plan and budget future business needs.

Manage Business Risk

  • Set up your PNC business credit card as overdraft protection for your PNC business checking account to help ensure that you have funding when needed.*
  • Contactless Technology: Pay for everyday purchases faster and with greater convenience than ever before. Learn more about PNC Card Technology
  • Gain the benefits of added convenience and peace of mind with Visa Benefits:
    • If your Visa Business cared is ever lost or stolen, your company is protected against fraudulent use of the card, including transactions made via telephone or on the internet with the Zero Liability Fraud Protection.[3]
    • Extended Protection can double the time period of the original manufacturer’s written U.S. warranty up to one (1) full year on warranties of three years or less.
    • Purchase Security will replace, repair, or reimburse you for eligible items of personal property in the event of theft or damage within the first 90 days of purchase.

PNC Cash Rewards® Visa Signature® Business Credit Card Travel Benefits[4]

  • Lost Luggage Reimbursement.
  • Travel Accident Insurance.
  • Auto Rental Collision Damage Waiver.
  • Roadside Dispatch®
  • Lost / Stolen Card Reporting.
  • Purchase Security and Extended Protection.
  • Emergency Card Replacement.
  • Emergency Cash Disbursement.
  • Travel and Emergency Assistance Services.
  • Visa Signature Concierge.

Rates & Fees 

Rate Type Rate
Introductory Purchase APR

Introductory 0% APR on purchases for the first 9 billing cycles following account opening.

After the introductory period, a variable APR, currently 19.24% - 27.24%, will apply.
This APR will vary with the market based on the prime rate.

Purchase and Balance Transfer APR 19.24% - 27.24% Variable APR**
This APR will vary with the market based on the prime rate.
Cash Advances APR 27.24% Variable APR**
This APR will vary with the market based on the prime rate.
Penalty APR 34.24% Variable APR**
This APR will vary with the market based on the prime rate.
Fee Type Fee
Annual Fee None
Balance Transfer Fee Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee Either $10 or 4% of the amount of each cash advance, whichever is greater; $75 maximum.
Late Payment Fee Up to $39
Over Credit Limit Fee $39

**The Index in effect for each billing cycle shall be the highest "Prime Rate" of interest appearing in the "Money Rates" section of The Wall Street Journal published during the previous 90 days prior to the 8th business day prior to the last day of such billing cycle.

Did you know? If you have a PNC business checking account, using a PNC business credit card could offset your monthly maintenance fee.[5]

It's easy, secure and takes about 15 minutes to apply online. You will need the following to apply:

  • Company Tax ID.
  • Company annual revenue.
  • Your Social Security Number, monthly housing payment and gross annual income.

How to Apply


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