Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
PNC points® Visa®
Business Credit Card
Reward yourself with the PNC points Visa Business credit card.[1]
Get an introductory 0% APR for the first 9 billing cycles following account opening on purchases and balance transfers, when the balance is transferred within the first 90 days following account opening.**
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
No Annual Fee**
Earn 5 points for every $1 spent *
There is no limit to the number of points you can earn on qualifying purchases.*
Online Account Management
Choose from a variety of online tools to manage your business credit card activity.
*Rewards Terms & Conditions Effective Through 10/3/2023
*Rewards Terms & Conditions Effective 10/4/23
Account Overview
Have immediate access to credit so you have the buying power you need, when you need it.
- Earn 5 Points for Every $1
- Track & Control Costs with Account View
- View your PNC Business Credit Card Spending
- Manage Business Risk
Earn 5 Points for Every $1 in Qualifying Purchases*
- Earn redeemable points for making every day qualifying purchases.
- No spending categories to keep track of or remember.
- No limits to the amount of points you can earn.
- Combine your personal and business points to receive more rewards.
- Reward options include merchandise, gift cards, travel, and cash back.
- Opt to allow your employees to enjoy points individually or aggregate rewards at the company level.
- Learn how easy it can be to earn and redeem your PNC points
*Rewards Terms & Conditions Effective Through 10/3/2023
*Rewards Terms & Conditions Effective 10/4/23
- 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®, or QuickBooks® or use .csv files.
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 for future business needs.
- Request employee cards at no cost and control the individual spending limits for each new cardholder.
- Enjoy enhanced security including an embedded chip to help protect your card from unauthorized use.
- Contactless Technology: Pay for everyday purchases faster and with greater convenience than ever before. Learn more about PNC Card Technology
- 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.*
- Gain the benefits of added convenience and peace of mind with Visa benefits:
- 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.
Tools & Calculators
Use your eligible credit cards. Get points. It’s that simple.
Earn 5 points per $1 for qualifying purchases† with your PNC points Visa Business credit card or PNC Visa Signature BusinessOptions Credit Card by using your cards at the places you love. And now with PNC Purchase Payback you can multiply your points like never before — and reach rewards so much faster.
Rates & Fees
| Rate Type | Rate |
|---|---|
| Introductory Purchase and Balance Transfer APR | Introductory 0% APR for the first 9 billing cycles following account opening on purchases and balance transfers, when the balance is transferred within the first 90 days 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 Advance 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.[2]
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