PNC Visa Business card review 2024: Rare intro balance transfer offer
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BLUEPRINT
Published 10:58 a.m. UTC May 7, 2024
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The PNC Visa® Business Credit Card * The information for the PNC Visa® Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of the few business cards with an intro balance transfer offer. This, combined with a potentially low ongoing APR, make the card a great choice for small business owners who need to pay down debt. However, its lack of rewards limit its value after the introductory period. Check out our full PNC Visa Business Card review to learn more.
PNC Visa Business card basics
- Annual fee: $0.
- Welcome bonus: None.
- Rewards: None.
- APR: 0% intro APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR of 15.24% to 25.24% applies on both purchases and balance transfers. There's a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater.
- Recommended credit score: Good to excellent.
- Does the card offer preapproval? No.
- Other benefits: Individual spending limits on employee cards, cash flow insight by purchase category and purchase protection.
PNC Visa Business card review
The PNC Visa Business Credit Card has a 0% intro APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR of 15.24% to 25.24% applies on both purchases and balance transfers. There's a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. This is one of the most competitive introductory APR offers on the market. Plus, the ongoing APR is on the lower side for a business card, so the most creditworthy applicants can still score a good rate after the intro period ends.
While the PNC Visa can be a great way to pay down debt in the first year, its ongoing value is less competitive. That’s because the card doesn’t come with any sort of rewards program or intro bonus.
As far as benefits go, it has some standard business perks — like spend tracking and the ability to set individual limits on employee cards — but nothing that stands apart from other business cards available.
That said, the PNC Visa Business card doesn’t charge an annual fee, so just signing up for the introductory offer can be worth it for the right user. If you qualify for the lowest APR, its ongoing rate is competitive for business owners who expect to need to carry a balance, as well.
Pros
- Long intro APR on balance transfers: Few business cards offer an intro APR on balance transfers.
- Potentially low ongoing APR: For the most creditworthy applicants, the ongoing interest rate on the PNC Business card is below average — saving money if you need to carry a balance.
- Set individual limits on employee cards: The PNC Business Visa makes it easy to manage employee spending with business owner-friendly perks like individual limits on employee cards.
Cons
- No rewards program: This card does not earn any kind of points or cash back.
- Restrictive terms on balance transfer offer: If you want to take advantage of the card’s introductory offer on balance transfers, you’ll need to process the transfer in the first 90 days.
- Wide range of potential APRs: While the lowest possible interest rate is competitive on this card, less creditworthy applicants could still get stuck with a high APR.
PNC Business Visa Credit Card APR
The primary perk on the PNC Business card is a long intro APR of 0% intro APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR of 15.24% to 25.24% applies on both purchases and balance transfers. There's a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. This is a rare benefit on a business card.
To qualify for the introductory rate, you’ll need to make your transfer in the first 90 days and pay a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. Still, since a balance transfer offer is difficult to find on a small business credit card, the PNC Business Visa is a good choice for business owners carrying debt and hoping to pay it down while saving interest.
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Ink Business Unlimited® Credit Card
How the PNC Visa Business card compares to other business credit cards
If you are in the market for a business credit card and want an introductory APR, there are several cards that include the perk. Most come with an intro period of about a year on purchases, and balance transfers are not typically eligible for the reduced rate — with a few exceptions.
PNC Visa Business card vs. U.S. Bank Triple Cash Rewards Visa® Business Card * The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
U.S. Bank also offers balance transfer offers on business credit cards, and it’s more competitive than the PNC Business card’s offering. Better, the U.S. Bank Triple Cash Rewards Visa Business offers a longer introductory period and doesn’t sacrifice rewards as a result.
With the U.S. Bank Triple Cash Business card, cardholders get a 0% intro APR on qualifying purchases for the first 12 billing cycles, followed by a variable APR of 19.24% to 28.24% on purchases and balance transfers. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.
The longer offer makes it more competitive than the PNC Visa for paying off debt, but it does have a higher range of ongoing APRs, so business owners who predict carrying a balance could still make out ahead on the PNC card.
U.S. Bank Triple Cash Rewards Visa Business Card also earns cash back on purchases. You can earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.
PNC Visa Business card vs. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card from Chase is a better alternative to the PNC Visa Business if you’re looking for both rewards and an intro APR on purchases, rather than a balance transfer offer. It comes with a 0% intro APR for 12 months on purchases, then a 18.49% to 24.49% variable APR applies to purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. But it also earns 1.5% cash back on purchases and offers a welcome bonus of $750 cash back after spending $6,000 on purchases in the first three months of account opening.
PNC Visa Business card vs. Wells Fargo Reflect® Card * The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
If you’re comfortable using a consumer card for your small business needs, the Wells Fargo Reflect offers one of the longest introductory APR periods you’ll find of 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum.
The cons of choosing a consumer card for your balance transfer include sacrificing business-specific perks, like employee cards with individual limits and spend tracking. You also won’t build business credit.
PNC Visa Business card is right for you if:
- You are carrying a large balance and want time to pay it down without accruing interest.
- You regularly carry a balance on your business card, and need a product with a low ongoing APR.
- A low APR is more important to you than earning rewards.
Should you get the PNC Visa Business card?
Due to the long introductory offer, you should consider the PNC Visa Business card if you are carrying a large balance on another credit card and want time to pay it down without accruing interest.
This card also has a low ongoing APR, so if you regularly carry a balance on your credit card, this card may be a good choice.
Frequently asked questions (FAQs)
The PNC Business Visa requires a good to excellent credit score, which is typically a FICO Score above 670. Keep in mind that even though it is a business credit card, your personal credit will likely be pulled to qualify.
PNC does not disclose which credit bureau it pulls from to evaluate card applications.
Your credit limit on the PNC Business Visa will be determined by creditworthiness. While the default setting is for all cardholders to have access to the card’s full credit line, the primary cardholder has the option to set individual spend limits for employee cards.
PNC does not disclose regular evaluations for a credit line increase, though you may be able to request a higher credit limit after demonstrating you can make on-time payments.
It depends on your business needs. The PNC Business Visa offers a competitive intro APR and ongoing interest rate, so it is a good card for small businesses who use it to manage cash flow. But its lack of rewards program makes it a poor fit for those trying to rack up points.
*The information for the PNC Visa® Business Credit Card, U.S. Bank Triple Cash Rewards Visa® Business Card and Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
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