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  PNC points Visa Business Credit Card

PNC points Visa Business Credit Card

in Business Credit Cards from PNC Bank

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PNC points Visa 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

PNC points Visa Business Credit Card Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a rewards rate of up to 5 reward points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 9 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 9 months.
  • Competitive APRs. PNC points Visa 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 rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. PNC points Visa 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of PNC Points Visa business card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 9 months.
  • 0% APR on new purchases during the first 9 months.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • PNC points Visa Business Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
PNC Points Visa business card FAQ

Who is PNC Points Visa business card designed for?

This is a credit card issued by PNC Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card 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 it have an introductory APR offer?

Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 9 months from account opening.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 9 months.

PNC Points Visa business card Rates & Terms
Purchase APR 10.99% - 19.99%
Balance Transfer APR 10.99% - 19.99%
Cash Advance APR 21.99%
Penalty APR 28.99%

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 $39.
  • A returned payment fee of up to $35.
  • An overlimit fee of $39.

Does it charge a foreign transaction fee?

This business 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 business card at home and apply for one that doesn't charge a foreign transaction fee.

PNC Points Visa business card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $35
Late Payment Fee $15 to $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

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 (888) 762-2265.

What is the support contact email?

The support contact email for this business credit card is info@pnc.com.

Does PNC points Visa Business Credit Card report your account activity to credit bureaus?

Yes, PNC points 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 PNC 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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Message From PNC points Visa Business Credit Card

Reward yourself with the PNC points Visa Business credit card. Earn redeemable points for making every day qualifying purchases. No Annual Fee. There is no limit to the number of points you can earn on qualifying purchases. Choose from a variety of online tools to manage your business credit card activity.

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 $15 - $39
Minimum Cash Advance Fee ($) $10
Over-Limit Fee $39
Returned Payment Fee $35
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 5x Points on Every Purchase
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 Intro APR Period (Variable APR) 9 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 10.99% - 19.99%
Card Network Visa
Card Type
  • Rewards
  • Zero Percent

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