PNC Visa® Business

Credit Card

More rate conscious than interested in earning rewards? 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.

Fast, Easy, Secure

Apply online and get a response in minutes.


Introductory 0% Annual Percentage Rate (APR) on Balance Transfers 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 10.99% to 20.99%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.*

Introductory Offer
Key Features

 

 

No Annual Fee*

 

Keep your personal and business purchases separate

 

Online Account Management

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

Account Overview

Features and Benefits

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 for 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*
  • 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

***See your Visa Guide to Benefits for details

How to Apply

Ways to Apply

What You Need to Apply

It's easy, secure and takes less than 5 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

We Also Recommend

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.

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Cash Flow Insight℠

Manage your business's cash flow with efficiency, control and insight with our innovative suite of online tools.

Learn More »

Online Services for Business

Take control of your business finances - online. PNC.com is your business connection to anytime online banking and bill payment, self-service account management, payroll services, tax payments and more.

Learn More »

Important Legal Disclosures and Information

  1. To receive relationship benefits, the checking account must be set up as the billing account for the respective service. See your banker for details.

Excel is a registered mark of Microsoft Corporation.

QuickBooks® and Quicken® are registered marks of Intuit, Inc.

PNC Bank, National Association is the creditor and issuer of the PNC Bank Credit Cards.

Visa is a registered trademark of Visa International Service Association and used under license.

Cash Flow Insight is a service mark of The PNC Financial Services Group, Inc.

Equal Opportunity Lender