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  PNC Cash Rewards Visa Signature Business Credit Card

PNC Cash Rewards Visa Signature Business Credit Card

in Business Credit Cards from PNC Bank

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PNC Cash Rewards Visa Signature Business Credit Card

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in Business Credit Cards from PNC Bank

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Highlights
Purchase APR  (Variable APR) 10.99% - 19.99%
Balance Transfer APR  (Variable APR) 10.99% - 19.99%
Credit Score Range 650 - 850
Annual Fee $0

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This is a cashback credit card issued by PNC Bank. If you're wondering whether PNC Cash Rewards Visa Signature Business Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 9 months.
  • Signup bonus. Offers a signup bonus of $200 if you spend $3000.
  • Competitive APRs. PNC Cash Rewards Visa Signature Business Credit Card has a variable purchase APR that ranges from 10.99% up to 19.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. PNC Cash Rewards Visa Signature Business Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of PNC Cash Rewards Visa Signature Business Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 9 months.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on their purchases.
  • PNC Cash Rewards Visa Signature Business Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
PNC Cash Rewards Visa Signature Business Credit Card FAQ

Does PNC Cash Rewards Visa Signature Business Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

  • 1.5% Cash Back Every Purchase
PNC Cash Rewards Visa Signature Business Credit Card Reward Terms
Annual rewards limit N/A
Signup Bonus ($) $200
Signup Bonus Spend Requirement $3000

Does PNC Cash Rewards Visa Signature Business Credit Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $200 after spending $3000.

Does PNC Cash Rewards Visa Signature Business Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the PNC Cash Rewards Visa Signature Business Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for PNC Cash Rewards Visa Signature Business Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 10.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 10.99% up to 19.99%. It also has a variable cash advance APR of 21.99% . Note that late payments are subject to an APR of 28.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does PNC Cash Rewards Visa Signature Business Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does PNC Cash Rewards Visa Signature Business Credit Card have an intro APR offer on new purchases?

PNC Cash Rewards Visa Signature Business Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 9 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 9 months.

What are the fees for PNC Cash Rewards Visa Signature Business Credit Card?

The following fees apply:

  • An overlimit fee of $39.
PNC Cash Rewards Visa Signature Business Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $39
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does PNC Cash Rewards Visa Signature Business Credit Card have a foreign transaction fee?

PNC Cash Rewards Visa Signature Business Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for PNC Cash Rewards Visa Signature Business Credit Card?

The PNC Cash Rewards Visa Signature Business Credit Card customer service number is (888) 762-2265.

What is the support contact email for PNC Cash Rewards Visa Signature Business Credit Card?

The support contact email for PNC Cash Rewards Visa Signature Business Credit Card is info@pnc.com.

Does PNC Cash Rewards Visa Signature Business Credit Card report your account activity to credit bureaus?

Yes, PNC Cash Rewards Visa Signature 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 for PNC Cash Rewards Visa Signature Business Credit Card

  • Visit the PNC Cash Rewards Visa Signature Business Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 PNC Cash Rewards Visa Signature Business Credit Card

Boost your bottom line with the PNC Cash Rewards Visa Signature Business credit card. This card makes it easy to earn unlimited cash back … just for doing business as usual. No limits on the amount you can earn. Choose from a variety of online tools to manage your business credit card activity. Provides travel benefits and protection for purchases.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 2:00pm

Other Services by PNC Bank

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View all business credit cards offered by PNC Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Annual Fee $0
No Annual Fee
Cash Advance Fee (%) 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) $10
Over-Limit Fee $39
Returned Payment Fee $35
Customer Type Business
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Bonus Rewards The $200 statement credit will be awarded after the company has made $3,000 in net purchases during the first 3 billing cycles following account opening. The statement credit will be awarded within 90 days following the net purchase that enabled you to meet the $3,000 minimum requirement
Rewards Categories
  • 1.5% Cash Back on Every Purchase
Signup Bonus Starting at $200
Cash Advance APR (Variable APR) 21.99%
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 10.99% - 19.99%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 10.99% - 19.99%
Card Network Visa
Card Type
  • Rewards
  • Cashback

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