- 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 Visa® Business Credit Card
When your business is more rate conscious than interested in earning rewards
Introductory 0% Annual Percentage Rate (APR) on BalanceTransfers for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening
Then a variable APR, currently 15.24% to 25.24%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.
Overview
We bring back the basics of using credit cards for your business by offering a longer introductory offer, a competitive rate thereafter, and great customer service and convenience.
Key Features
Choose from a variety of online tools to manage your business credit card activity.
Keep your personal & business purchases separate
Online Account Management
Choose from a variety of online tools to manage your business
credit card activity.
Account Overview
- Manage Payment Practices
- Use Account View
- View Credit Card Spending
- Manage Business Risk
Manage Payment Practices
- Consolidate multiple billing dates from your creditors by transferring the balances to your PNC Business credit card and scheduling one payment a month.
- Fund short-term working capital and use the card’s competitive interest rate to minimize interest expense and maximize cash flow.
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 employee 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 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 Contactless Technology
- Gain the benefits of added convenience and peace of mind with Visa Benefits:
- If your Visa Business card 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.[2]
- 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.
Rates & Fees
| Rate Type | Rate |
|---|---|
| Introductory Balance Transfer APR | Introductory 0% APR for the first 13 billing cycles following account opening on Balance Transfers when the balance is transferred within the first 90 days following account opening. After the introductory period, a variable APR**, currently 15.24% - 25.24%, will apply. This APR will vary with the market based on the prime rate. |
| Purchase and Balance Transfer APR | 15.24% - 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.[1]
What Will it Take to Pay Off My Credit Card?
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