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.

Fast, Easy, Secure

Apply online and get a response in minutes.

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 »

Introductory Offer
Key Features



No Annual Fee*



Earn 5 Points for
Every $1 Spent[3]

There is no limit to the number of points you can earn on qualifying purchases.[3]

Online Account Management

Choose from a variety of online tools to manage your business credit card activity.

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.

** Rewards Program Terms and Conditions

How to Apply

Ways to Apply

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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Account View

Account View is an online tool that provides transaction details for all business credit cardholders in a single view, along with the ability to control how cards are utilized, to optimize cash flow.

Learn More »

Cash Flow Insight®

Manage your business's cash flow with efficiency, control and insight. See your business performance, plan for what's coming, track your expenses.

Learn How »

Important Legal Disclosures and Information

  1. Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.

  2. 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.

  3. 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 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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