PNC Cash Rewards® Visa Signature® Business Credit Card

The PNC Cash Rewards® Visa Signature® Business Credit Card is designed for business owners who want a simple cash back structure. You get 1.5% cash back on every eligible purchase–no categories, no caps. There is also a decent welcome offer and you get 0% introductory APR on purchases for the first 9 months. There’s no 0% intro APR offer for balance transfers and PNC tends to be a very conservative lender. We dive into the details and your approval odds in this PNC Cash Rewards Business review.

PNC Cash Rewards Visa Signature Business Credit Card

Our Rating


Welcome Offer


Annual Fee


0% on Purchases

9 months

Reward Rate

1.5% cash back

0% on Balance Transfers


Welcome Offer

Earn a $400 cash bonus when you make at least $3,000 in qualifying net purchases during the first three billing cycles following account opening.

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance


1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on eligible net purchases

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of the amount in U.S, dollars of each foreign transaction
Regular APR19.24% to 27.24% (V) APR
Purchases0% Intro APR for 9 months on purchases, then 19.24% to 27.24% (V) APR after that.


Extended Warranty

Extended Protection can double the time period of the original manufacturer’s written U.S. warranty up to one (1) full year on warranties of three years or less.

Purchase Protection

Purchase Security will replace, repair, or reimburse you for eligible items of personal property in the event of theft or damage within the first 90 days of purchase.

What Credit Score Is Required to Get the PNC Cash Rewards® Visa Signature® Business Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 715

Average Approved Credit Score: 758

App StatusDateCredit ScoreBureauCredit Limit
Not Provided

Pros & Cons

  • Welcome offer
  • No annual fee
  • Unlimited 1.5% cash back
  • High APR
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit



Rewards Range

1.5% - 5%

Annual Fee


Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card



Rewards Range


Annual Fee


The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card



Rewards Range

1% - 2%

Annual Fee

No annual fee

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