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  PNC Visa Business Credit Card

PNC Visa Business Credit Card

in Business Credit Cards from PNC Bank

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PNC Visa Business Credit Card

Unaffiliated

in Business Credit Cards from PNC Bank

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Highlights
Purchase APR  (Variable APR) 9.99% - 19.99%
Balance Transfer APR  (Variable APR) 9.99% - 19.99%
Credit Score Range 670 - 750
Annual Fee $0

PNC Visa Business Credit Card Review

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 13 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. PNC Visa Business Credit Card has a variable purchase APR that ranges from 9.99% up to 19.99%.
  • 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.
  • 3% Balance transfer fee. PNC 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of PNC Visa Business credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 13 months.
  • No annual fee.
  • PNC Visa Business Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
PNC Visa Business credit card FAQ

Who is PNC Visa Business credit card designed for?

This is a credit card issued by PNC Bank. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 670.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 9.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 9.99% 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 13 months from account opening.

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

PNC Visa Business credit card Rates & Terms
Purchase APR 9.99% - 19.99%
Balance Transfer APR 9.99% - 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 Visa Business credit 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?

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

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

Yes, PNC 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.
View PNC Visa Business Credit Card's published terms & conditions.
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.

Feature Breakdown

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 670 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 21.99%
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 9.99% - 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) 13 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 9.99% - 19.99%
Card Network Visa
Card Type
  • Balance Transfer

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