PNC Cash Rewards Visa Signature Business Credit Card

3% cash back during the first 12 months after account opening. No category restrictions and no caps on the cash back you can earn.^[1]

Earn unlimited 1.5% cash back on all net purchases^[2]
Earn a bonus 1.5% cash back in the first 12 months after account opening^[1]

In addition, an introductory 0% APR for the first 9 billing cycles following account opening on purchases. Then a variable APR, currently 18.49% to 28.74%, based on creditworthiness, will apply. This APR will vary with the market based on the prime rate.

Apply Online

Key Features

Earn 3% Cash Back on Net Purchases^[2] During the First 12 Months^[1]

Earn unlimited 1.5% cash back on all net purchases. Earn an additional bonus 1.5% cash back for the first 12 months after account opening. No category restrictions and no caps on the cash back you can earn.

Online Account
Management

A variety of online tools to manage your business credit card activity.

Visa Signature®
Benefits

Provides travel benefits and protection for purchases.

Account Overview

Earn Cash Back
Manage Purchases & Cash Flow
View PNC Credit Card Spending
Manage Business Risk
Travel Benefits

Earn 3% Cash Back on Net Purchases^[2]

Earn unlimited 1.5% cash back on all net purchases^[2]
Earn a bonus 1.5% cash back in the first 12 months after account opening^[1]
No category restrictions and no caps on the cash back you can earn

Rewards Terms & Conditions

Use Account View to Manage Employee Purchases and to Monitor Cash Flow

Check your current balance & view pending transactions online.
Set individual spending limits for employee cards.
Add, activate or close cards.
Make payments electronically or schedule recurring payments.
Access up to 13 months of transaction detail.
Download transactions into Excel^®, Quicken^®, QuickBooks^® or use .csv files.

View your PNC Business Credit Card Spending by Business Category

When you enroll in Cash Flow Insight^®, our Spend Analysis tool will automatically assign business categories to your posted PNC business credit card transactions. This will help you:

Monitor where you and your employees are spending.
Plan and budget future business needs.

Manage Business Risk

Set up your PNC business credit card as overdraft protection for your PNC business checking account to help ensure that you have funding when needed.*
Contactless Technology: Pay for everyday purchases faster and with greater convenience than ever before. Learn more about PNC Card Technology
Gain the benefits of added convenience and peace of mind with Visa Benefits:
- If your Visa Business cared is ever lost or stolen, your company is protected against fraudulent use of the card, including transactions made via telephone or on the internet with the Zero Liability Fraud Protection.^[3]
- 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 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.

PNC Cash Rewards^® Visa Signature^®Business Credit Card Travel Benefits^[4]

Lost Luggage Reimbursement.
Travel Accident Insurance.
Auto Rental Collision Damage Waiver.
Roadside Dispatch^®
Lost / Stolen Card Reporting.
Purchase Security and Extended Protection.
Emergency Card Replacement.
Emergency Cash Disbursement.
Travel and Emergency Assistance Services.
Visa Signature Concierge.

Rates & Fees

(PDF) **Important Information about Rates and Fees

Did you know? If you have a PNC business checking account, using a PNC business credit card could offset your monthly maintenance fee.^[5]

It's easy, secure and takes about 15 minutes to apply online. You will need the following to apply:

Company Tax ID.
Company annual revenue.
Your Social Security Number, monthly housing payment and gross annual income.

How to Apply

Online

Share your information and
we'll review your application.

Apply Online

Call Us

Mon - Fri: 8:30 a.m. to 8 p.m. ET

1-855-762-2365

At a Branch

Apply In-Person

Find a Branch

You’ll earn an additional 1.5% cash back on all net purchases for the first 12 months following account opening. That means you’ll receive an additional 1.5% cash back on top of the standard 1.5% cash back you earn on net purchases under the PNC Cash Rewards Visa Signature Business Credit Card rewards program. Net purchases that post to your Account after the 12th month following account opening will not be eligible for this offer and will not earn an additional 1.5%. The final determination of the amount of any additional cash back rewards under this offer will be in our sole discretion. This offer cannot be combined with other cash back offers on your Account. For full rewards terms and conditions visit pnc.com/businesscashrewardsterms

The additional 1.5% cash back rewards under this offer will be awarded monthly on your Account statement. Additional cash back under this offer will not be awarded or, if awarded, will be reversed in full, for returns, credits, or chargebacks. For details on cash back reward adjustments, please refer to the PNC Cash Rewards Visa Signature Business Credit Card Rewards Program Terms and Conditions available at pnc.com/businesscashrewardsterms

To be awarded the cash back earned under this offer, your Account must be in good standing, which means it is open, not deemed by PNC Bank to be delinquent, and has not exceeded the approved credit limit. If your Account is not in good standing and/or reaches 60 days of delinquency, you immediately and automatically forfeit any cash back earned under this offer but not redeemed.

You may forfeit any cash back rewards you have earned under this offer if we determine, in our sole discretion, that you have engaged, or intend to engage, in abuse, misuse, or gaming in connection with this offer in any way. This may include, without limitation and without prior notice, any or all of the following (1) disqualifying you from the offer; (2) reversing of any rewards awarded under this offer; (3) closing or suspending your Account; or (4) taking legal action against you to recover any monetary losses, including attorneys’ fees and damages. You are not entitled to compensation when your cash back rewards are forfeited for any reason.
The term “net purchases” does not mean all transactions you may make using your credit card. Some limited transactions, such as cash advance transactions and balance transfers, are excluded. For details about excluded transactions or the rewards program generally, please see the complete PNC Cash Rewards Visa Signature Business Credit Card Rewards Program Terms and Conditions.
Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.
Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature card to secure transactions. The costs for goods or services purchased through Visa Concierge Services are the cardholder’s responsibility. Complete terms for these programs are provided with your new Visa Signature business card; please refer to your Visa Signature Guide to Benefits for details.
To receive relationship benefits, the checking account must be set up as the billing account for the respective service. See your banker for details.

PNC Bank, National Association is the issuer of the PNC Cash Rewards Visa Signature Business Credit Card..

PNC Cash Rewards is a registered mark of The PNC Financial Services Group, Inc.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

QuickBooks^® and Quicken^® are registered marks of Intuit, Inc.

Excel is a registered mark of Microsoft Corporation.

Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc. U.S. Patent Nos. 10,402,910, 9,965,808, and 11,074,660, and other patents pending.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

Banking

More Ways to Manage Cash Flow

Accepting Payments

Making Payments

Business Lending

For Your Employees

Industry Solutions

Explore Topics

Popular

Featured

Industries Expected to Thrive in 2025

Stay Informed on News and Issues Impacting PNC Customers

Support

Security & Privacy

Frequently Asked Questions

How Can We Help You

Welcome to PNC! How can we help you today?

PNC Cash Rewards® Visa
Signature®
Business Credit Card

PNC Cash Rewards®
Visa Signature® Business Credit Card

3% cash back during the first 12 months after account opening. No category restrictions and no caps on the cash back you can earn.^[1]