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PNC points® Visa® Business Credit Card

Credit needed
Good
APR
10.99% to 19.99%
Annual Fee
$0

Card Summary

You can earn five points for every dollar spent on the PNC points Visa Business Credit Card. You can accumulate as many points as you like and combine business and personal points. Your employees can accumulate points either individually or collectively.

There is a $0 annual charge. You will receive a 0% intro APR on all purchases, balance transfers and other transactions within nine billing cycles.

The standard APR is 10.99% to 19.99% variable APR. This APR may vary depending on the prime rate.

Card Summary - Cons

Rates and fees

Issuer Name
PNC
Penalty APR
Variable at 28.99%
Credit Needed
Good
Balance Transfer Fee
Either $5, or 3% depending on the balance transferred.
Annual Fee
$0
Cash Advance Fee
Maximum of $75, $10 or 4% depending on the cash advance amount.
APR
10.99% to 19.99%
Foreign Transaction Fee
3.3% on each transaction made in foreign dollars
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The Best Features

Zero percent intro APR: New cardholders of the PNC points Visa Business Credit Card receive a nine month 0% APR for purchases as well as balance transfers within the first 90 days. The standard APR thereafter is variable at 10.99% to 19.99%. This APR can vary depending on the prime rate.

Combining personal points with business points can help you earn faster rewards. Good credit applicants will have a low APR.

The PNC points Visa Business Credit Card has one of the lowest APRs available for business credit cards. Standard APR ranges from 10.99% to 19.99% Variable. This APR may vary depending on the prime rate.

Rewards

Sign up bonus

APR Requirements

Drawbacks

There is no sign-up bonus for the PNC Points Visa Business Credit Card.Foreign transaction fee.

Although most other reward cards don't charge foreign transaction fees, PNC points Visa Business Credit Card charges cardholders with a 3.3% foreign currency fee.

Highlights

There is no annual charge. For every $1 spent, earn 5 points. There are no spending categories that you need to remember or keep track.

There are no limits on the number of points that you can earn. To receive greater rewards, combine your business and personal points. Online balance checker - view all pending transactions.

Employee cards can be assigned spending limits.

Visa Business Credit Card Benefits with PNC Points:

Benefits of the PNC points Visa Business Credit Card include:

Tools for managing your online account
Protect yourself with purchase
Warranty coverage extended
You can get overdraft protection by linking your PNC checking account to your card.

Maximizing Rewards

You will be rewarded for every purchase with the five-point PNC points Visa Business Credit Card.

Benefits

Comparative Analysis with Other Cards

PNC points Visa Business Credit Card vs Ink Business Preferred credit card

Annual Fee: The PNC points Visa business Credit Card has a $0 fee. Annual fee for the Ink Business Preferred Credit Card is $95.

Reward: The PNC points Visa Business Credit Card earns you five points for every dollar spent on all categories of purchases. You can accumulate as many points as you like and combine business and personal points.

Ink Business Preferred Credit Card Rewards Program gives you 3 points per $150,000 of business purchases. You get 1 point for each dollar spent on any other purchase.

Sign up bonus: The sign-up bonus for the PNC points Visa Business Credit Card is not available. After you have spent $15,000 in your first three months of account opening, the Ink Business Preferred Credit Card will earn 100k bonus points. Chase Ultimate Rewards will give you $1,250 towards travel or $1,000 cash back.

Benefits: If you connect your PNC Business checking account to your PNC points Visa Business Credit Card, cardholders will enjoy online account management, overdraft protection and purchase protection.

Ink Business Preferred Card Holders receive many benefits including cellphone coverage, purchase protection, extended warranty coverage and trip cancellation/ interrupt insurance.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

PNC