PNC points® Visa® Business Credit Card
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The PNC points® Visa® Business Credit Card is designed for business owners who carry a balance or want to pay off higher-interest debt. The stand-out feature of this card is the 0% introductory APR on purchases and balance transfers for the first 9 months. You’ll earn 5 points for every dollar you spend on qualifying purchases, but you’ll need to use those points within 48 months, or they will expire. We dive into the details and your approval odds in this PNC points Business review.
Our Rating
3.5/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
9 months
Reward Rate
5x points
0% Intro on Balance Transfers
9 months
Editorial Review
Features & Benefits
| Security | Credit Score Monitoring, 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, 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 | 20.24% to 29.49% (V) APR |
| Balance Transfers | 0% Intro APR for 9 months on balance transfers, then 20.24% to 29.49%(V) APR after that. |
| Balance Transfer Fee | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Purchases | 0% Intro APR for 9 months on purchases, then 20.24% to 29.49% (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.
Pros & Cons
- No annual fee
- 0% intro APR on purchases and balance transfers
- 5x points
- No welcome bonus
- High APR
- Foreign transaction fee
- Requires good credit
- Points expire after 48 months
What Are the Best Alternatives?
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
The Blue Business® Plus Credit Card from American Express
Rating
4.5
Rewards Range
1x - 2x
Annual Fee
No annual fee
BMO Business Platinum Rewards Credit Card
Rating
4.0
Rewards Range
1x - 5x points
Annual Fee
$0