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If you’ve incurred a large amount of high-interest credit debt while trying to cover business expenses, you should consider transferring that debt to a card that offers an intro APR on balance transfers for a year or longer, like the PNC Visa® Business Credit Card.
The PNC Visa® Business Credit Card offers an introductory Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers, then a regular APR of 17.24% to 27.24% Variable. This gives you the opportunity to save on interest charges while paying down your debt.
We review the pros and cons of the PNC Visa® Business Credit Card, and show how it compares to similar cards, to help you determine if it’s the right small business credit card to suit your needs.
Intro Purchase APR
Introductory 0% APR for purchases for the first 13 billing cycles following account opening
Regular Purchase APR
17.24% to 27.24% Variable
Intro BT APR
Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers
Regular BT APR
17.24% to 27.24% Variable
Annual Fee
$0
Cash Advance Fee
Either $10 or 4% of the amount of each cash advance, whichever is greater (maximum fee of $75)
Foreign Transaction Fee
3%
Balance Transfer Fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Intro APR on balance transfers
The PNC Visa® Business Credit Card comes with an introductory Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers. After that, a 17.24% to 27.24% Variable APR applies.
Note, there is a balance transfer fee of either $5 or 5% of the amount of each balance transfer, whichever is greater.
Annual fee
The PNC Visa® Business Credit Card charges a $0 annual fee.
Low possible ongoing APR
You can potentially qualify for a low ongoing APR on purchases of 17.24% to 27.24% Variable.
No rewards program
With the PNC Visa® Business Credit Card, you won’t earn a sign-up bonus or rewards for the purchases you make.
But when transferring a balance, it’s best to focus on paying off the transferred balance before the promotional period ends, rather than racking up rewards —which could potentially lead to more debt.
No intro APR on purchases
While the PNC Visa® Business Credit Card offers an intro APR on balance transfers, it does not offer one on purchases.
Therefore, if you plan to carry a balance on your card from purchases month over month, you will be subject to interest charges at an APR of 17.24% to 27.24% Variable.
If you’re interested in a business credit card that offers cash back rewards and an intro APR on purchases and balance transfers, you may want to consider the U.S. Bank Triple Cash Rewards Visa® Business Card.
With the U.S. Bank Triple Cash Rewards Visa® Business Card, cardholders earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.
Plus, cardholders receive the following sign-up bonus: Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Like the PNC Visa® Business Credit Card, the U.S. Bank Triple Cash Rewards Visa® Business Card offers an intro APR on balance transfers — but for a longer time period. Cardholders receive an APR of N/A, then a 18.49% to 27.49% variable APR applies.
The U.S. Bank Triple Cash Rewards Visa® Business Card also offers a 0% intro APR for 12 billing cycles on purchases. After that, a 18.49% to 27.49% variable APR applies.
The card comes with a $0 annual fee; however, there is a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.
| Credit Cards | Our Ratings | Annual Fee | Welcome Offer | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Rewards Rate | Intro Purchase APR | Regular APR | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
PNC Visa® Business Credit Card*
|
$0 | N/A | Introductory 0% APR for the first 13 billing cycles following account opening on balance transfers | 17.24% to 27.24% Variable | Either $5 or 5% of the amount of each balance transfer, whichever is greater. | N/A | Introductory 0% APR for purchases for the first 13 billing cycles following account opening | 17.24% to 27.24% Variable | Good / Excellent | ||
U.S. Bank Triple Cash Rewards Visa® Business Card*
|
$0 | Earn $750 in cash back — just spend $6,000 on the Account Owner's card in the first 180 days of opening your account. | N/A | 18.49% to 27.49% variable | Either 3% of the amount of each transfer or $5 minimum, whichever is greater | Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned. | 0% intro APR for 12 billing cycles on purchases | 18.49% to 27.49% variable | Good / Excellent | ||
Edward Jones Business Plus MasterCard Credit Card*
|
$0 | 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening | 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening | 19.74%–29.74% Variable | 0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum | Earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000 | N/A | 19.74%–29.74% Variable | N/A | ||
U.S. Bank Business Platinum Card*
|
$0 | N/A | N/A | 17.49% to 26.49% | Either 3% of the amount of each transfer or $5 minimum, whichever is greater | N/A | 0% intro APR on purchases for 18 billing cycles | 17.49% to 26.49% | Good / Excellent |
If you’re in the market for a business credit card that offers an interest-free period on balance transfers, the PNC Visa® Business Credit Card is a decent choice. But if you prefer a balance transfer credit card with a longer intro APR period, as well as an intro APR on purchases and cash back rewards, the U.S. Bank Triple Cash Rewards Visa® Business Card is a much better option.
That said, while the U.S. Bank Triple Cash Rewards Visa® Business Card offers one of the longest intro APRs on balance transfers currently available for a business credit card, know that it is possible to find a business credit card with an even longer intro APR period.
Also know, when completing a balance transfer, you cannot transfer debt between two cards from the same issuer. So, for example, if you have existing credit card debt from a PNC card, you cannot transfer it to the PNC Visa® Business Credit Card.
The information related to the PNC Visa® Business Credit Card, U.S. Bank Triple Cash Rewards Visa® Business Card, Edward Jones Business Plus MasterCard Credit Card and U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
