Subject to credit approval. The $400 statement credit will be awarded after the company has made $3,000 in net purchases during the first 3 billing cycles following account opening. The statement credit will be awarded within 90 days following the net purchase that enabled you to meet the $3,000 minimum requirement.
PNC Cash Rewards® Visa
Signature®
Business Credit Card
PNC Cash Rewards® Visa Signature® Business 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 16.24% to 25.24%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.
Key Features
Online Account
Management
A variety of online tools to manage your business credit card activity.
Visa Signature®
Benefits
Provides travel benefits and protection for purchases.
Account Overview
- Earn Cash Back
- Manage Purchases & Cash Flow
- View PNC Credit Card Spending
- Manage Business Risk
- Travel Benefits
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 16.24% - 25.24%, will apply. This APR will vary with the market based on the prime rate. |
| Purchase and Balance Transfer APR | 16.24% - 25.24% 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.