PNC Cash Rewards® Visa Signature® Business Credit Card
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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.
Our Rating
4.0/5.0
Welcome Offer
$400
Annual Fee
$0
0% on Purchases
9 months
Reward Rate
1.5% cash back
0% on Balance Transfers
N/a
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
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the amount in U.S, dollars of each foreign transaction |
| Regular APR | 19.24% to 27.24% (V) APR |
| Purchases | 0% Intro APR for 9 months on purchases, then 19.24% to 27.24% (V) APR after that. |
Insurance
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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/23/2022 | Not Provided | ||
| Approved | 08/04/2022 | Experian |
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
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee