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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.
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 12.24% to 22.24%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.*
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
*Rates and Fees
| Introductory Offer | 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. Then a variable APR, currently 12.24% to 22.24%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate. |
| Annual Fee | $0 |
| Purchase and Balance Transfer APR | 12.24% to 22.24% This APR will vary with the market based on the prime rate. |
| Cash Advances APR | 24.24% This APR will vary with the market based on the prime rate. |
| Penalty APR | 31.24% 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 |
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?
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 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
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Important Legal Disclosures and Information
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
Member FDIC
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