Fast, Easy, Secure
Apply online and get a response in minutes.
No Annual Fee*
PNC points® Visa® Business Credit Card
Reward yourself with the PNC points Visa Business credit card[1]. Earn redeemable points for making every day qualifying purchases.
Earn points
See how fast & easy it can be to earn rewards you want.
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.[2]
Apply Online »
Account Overview
Features and Benefits
Improve Cash Flow
Have immediate access to credit so you have the buying power you need, when you need it.
Earn 5 Points for Every $1 in 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 »
Track and Control Costs More Easily with Account View
- 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
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 for future business needs
Manage Business Risk
- 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 »
- 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.
Calculate Your PNC points
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.Use the calculator below to estimate your points!
$
Your average yearly credit card spend is: $18,000
You could earn †
90,000 (5 points per $1) per year
† A Qualifying Purchase is any eligible purchase you make with an enrolled or Linked Card that is processed or submitted through the Visa U.S.A. Inc. payment system. This includes the following: Purchases made by swiping your Card, Internet purchases, Phone or mail order purchases, Bill payments (other than to us or another financial institution), Contactless purchases (purchases you make by holding your Card or other device up to a secure reader instead of swiping your Card)
The following transactions are not Qualifying Purchases and will not earn points: Payments of existing Credit Card balances, Balance transfers. Cash advances, ATM transactions, Convenience checks, Fees charged by us (for example, annual fees, interest, and related service charges), Payments made for prepaid and reloadable cards such as certain gift cards, Visa Buxx®, and similar cards, Payments made for payment instruments that can readily be converted to cash (for example, travelers checks, money orders, wire transfers, and similar products or services).
We may decide, in our sole discretion, whether any particular transaction is a Qualifying Purchase.
For details, including limitations and restrictions, please refer to the PNC points Program Terms & Conditions
* Rates and Fees
| Introductory Offer | 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. |
| Annual Fee | $0 |
| Purchase and Balance Transfer APR | 15.49% to 24.49% This APR will vary with the market based on the prime rate. |
| Cash Advances APR | 26.49% This APR will vary with the market based on the prime rate. |
| Penalty APR | 33.49% This APR will vary with the market based on the prime rate |
| Transaction Fees: | |
| Balance Transfers | Either $5 or 3% of the amount of each balance transfer, whichever is greater |
| Cash Advances | Either $10 or 4% of the amount of each cash advance, whichever is greater; $75 maximum |
| Penalty Fees: | |
| Late Payment | Up to $39 |
| Over Credit Limit | $39 |
Important Information about Rates and Fees
Did you know? If you have a PNC business checking account, using a PNC business credit card could offset your monthly maintenance fee.[3]
How to Apply
Ways to Apply
- Apply Online
- By phone: 1-855-762-2365 (Mon – Fri: 8 a.m. – 6 p.m. ET; Sat: 9 a.m. – 3 p.m. ET)
- In person at a branch
- Offline through a printable application to mail or fax
What You Need to Apply
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
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Important Legal Disclosures and Information
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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After the introductory period, a variable APR, currently 15.49% to 24.49%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.
To receive relationship benefits, the checking account must be set up as the billing account for the respective service. See your banker for details.
PNC points is a registered mark of The PNC Financial Services Group, Inc.
Excel is a registered mark of Microsoft Corporation.
QuickBooks® and Quicken® are registered marks of Intuit, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc. U.S. Patent Nos. 10,402,910 and 9,965,808, and others patents pending
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