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  Pinnacle Bank Visa Business Credit Card

Pinnacle Bank Visa Business Credit Card

in Business Credit Cards from Pinnacle Bank

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Pinnacle Bank Visa Business Credit Card

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in Business Credit Cards from Pinnacle Bank

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Highlights
Purchase APR  (Fixed APR) 12.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Pinnacle Bank Visa Business Credit Card Review

Key Takeaways
  • Competitive APRs. Pinnacle Bank Visa Business Credit Card has a fixed purchase APR of 12.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.8% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Pinnacle Bank Visa Business Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Pinnacle Bank Visa Business Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 0.8%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Pinnacle Bank Visa Business Credit Card FAQ

Who is Pinnacle Bank Visa Business Credit Card designed for?

This is a credit card issued by Pinnacle Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a fixed purchase APR of 12.9%.

The good news is this business card does not charge a penalty APR if you are late on a payment.

Does it have an introductory APR offer?

This business credit card does not offer an introductory rate on new purchases.

Pinnacle Bank Visa Business Credit Card Rates & Terms
Purchase APR 12.9%
Penalty APR 0%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $25.
  • Pinnacle Bank Visa Business Credit Card does not charge a returned payment fee.
  • There is no overlimit fee

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 0.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Pinnacle Bank Visa Business Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0.8%
Returned Payment Fee $0
Late Payment Fee up to $25

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (402) 434-3127.

What is the support contact email?

The support contact email for this business credit card is CustomerService@pinnbank.com.

Does Pinnacle Bank Visa Business Credit Card report your account activity to credit bureaus?

Yes, Pinnacle Bank Visa Business Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Pinnacle Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Pinnacle Bank Visa Business Credit Card

It’s not just easier to pay with your Visa® card, it may be smarter, too. From building business credit to tracking expenses to simplifying tax time, a business credit card can provide cash and open doors. And while there are lots of credit cards out there, there’s only one from us. Every Visa® Card we issue comes with the personal service you know us for. If you are currently an Online Banking customer, you can now access your business credit card information through PinnBank for Business.  Please contact your local cash management representative to get set up today.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 8:00am - 12:00pm

Other Services by Pinnacle Bank

Feature Breakdown

Annual Fee $0
Minimum Interest Charge $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Returned Payment Fee $0
Foreign Currency Transaction Fee 0.8%
Late Fee Amount Up to $25
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Balance Computation average daily balance(including new purchases
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 12.9%
Card Network Visa
Card Type
  • Balance Transfer

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