PNC Visa® Business Credit Card
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The PNC Visa® Business Credit Card is a business credit card designed for business owners who racked up high-interest debt on another credit card and want to pay it off as quickly as possible. That’s the main reason to get this card: the 0% introductory balance transfer offer for the first 13 months. Note that there is a balance transfer fee. Other than that, there are no rewards, no welcome offer, and few benefits. We dive into the details and your approval odds in this PNC Business review.
Our Rating
3.0/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
N/a
Reward Rate
No rewards
0% on Balance Transfers
13 months
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the amount in U.S. dollars of each foreign transaction. |
| Regular APR | 15.24% - 25.24% variable (V) APR |
| Balance Transfers | 0% Intro APR for 13 months on balance transfers, then 15.24% - 25.24% variable(V) APR after that. |
| Balance Transfer Intro Fee | Introductory 0% APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening |
| Balance Transfer Fee | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
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 Visa® 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: 761
Average Approved Credit Score: 761
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 05/08/2023 | Experian | ||
| Denied | 06/29/2022 | Not Provided |
Pros & Cons
- No annual fee
- 0% intro APR on balance transfers for 13 months
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
U.S. Bank Business Platinum Card
Rating
4.0
Rewards Range
No rewards
Annual Fee
$0
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
PNC points® Visa® Business Credit Card
Rating
3.5
Rewards Range
5x points
Annual Fee
$0