PNC Bank Business Credit Cards: The Ultimate Guide to Maximizing Your Rewards

Discover the 3 Best PNC Business Credit Cards for 2023

With a wide range of business credit cards available, finding the right one for your company can be a daunting task. PNC Bank, the 8th largest bank in the United States, offers a variety of business credit cards to meet the needs of businesses of all sizes. In this comprehensive guide, we will explore the features, benefits, and rewards of PNC's business credit cards to help you make an informed decision.

PNC SmartAccess Business Visa® Card

The PNC SmartAccess Business Visa® Card is a great option for small businesses looking to earn cash back on their everyday purchases. With an attractive 2% cash back on purchases at gas stations, restaurants, and office supply stores, and 1% cash back on all other purchases, this card can help you save money on your business expenses.

Benefits:

• 2% cash back on gas, restaurant, and office supply purchases
• 1% cash back on all other purchases
• No annual fee
• Access to PNC's online banking and mobile app
• Free business checking account with qualifying business activities

PNC Business Performance Visa® Signature® Card

For businesses with higher spending needs, the PNC Business Performance Visa® Signature® Card is an excellent choice. This card offers a generous 3% cash back on purchases at gas stations, restaurants, and office supply stores, and 1.5% cash back on all other purchases. Additionally, cardholders can earn points that can be redeemed for travel, gift cards, and merchandise.

Benefits:

• 3% cash back on gas, restaurant, and office supply purchases
• 1.5% cash back on all other purchases
• No annual fee for the first year, then $95
• 50,000 bonus points after spending $3,000 within the first 90 days of account opening
• Points redeemable for travel, gift cards, and merchandise

PNC Business Elite Mastercard®

The PNC Business Elite Mastercard® is PNC Bank's premium business credit card, designed for businesses with the highest spending needs. With a generous 5% cash back on purchases at gas stations, restaurants, and office supply stores, and 2% cash back on all other purchases, this card can provide significant savings for businesses.

Benefits:

• 5% cash back on gas, restaurant, and office supply purchases
• 2% cash back on all other purchases
• No annual fee for the first year, then $195
• 75,000 bonus points after spending $5,000 within the first 90 days of account opening
• Points redeemable for travel, gift cards, and merchandise
• Concierge service
• Travel accident insurance
• Extended warranty protection

How to Choose the Best PNC Business Credit Card for Your Business

When choosing a PNC business credit card, it is important to consider your business's spending habits and needs. Here are a few factors to consider:

• Spending categories: PNC's business credit cards offer different cash back rewards rates for different spending categories. Determine which categories your business spends the most money on and choose a card that offers the highest rewards in those categories.
• Annual fee: Some PNC business credit cards have annual fees, while others do not. Consider your business's budget and whether the annual fee is worth the benefits offered by the card.
• Bonus offers: Many PNC business credit cards offer bonus points or cash back when you spend a certain amount of money within a certain period of time. If you are planning to make a large purchase, consider choosing a card that offers a generous bonus offer.
• Rewards redemption options: PNC business credit cards offer a variety of ways to redeem your rewards, including cash back, travel, gift cards, and merchandise. Choose a card that offers rewards redemption options that fit your business's needs.

Conclusion

PNC Bank offers a wide range of business credit cards to meet the needs of businesses of all sizes. Whether you are looking for a card with no annual fee, high cash back rewards, or a combination of benefits, PNC has a card that is right for you. By carefully considering your business's spending habits and needs, you can choose the PNC business credit card that will help you maximize your rewards and save money.

Additional Information

• PNC Bank is a member of the Federal Deposit Insurance Corporation (FDIC).
• The PNC SmartAccess Business Visa® Card, PNC Business Performance Visa® Signature® Card, and PNC Business Elite Mastercard® are all issued by PNC Bank, N.A.
• Terms and conditions apply to all credit cards. Please refer to the cardholder agreement for details.