PNC · Business

PNC points® Visa® Business Credit Card

PNC and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of PNC. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.

PNC points® Visa® Business Credit Card1%
Dining at 1%No annual fee
Top 2% for Dining
Highest earn rate in Dining at 1% effective value

The PNC points® Visa® Business Credit Card from PNC earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.

Top category
Dining
Effective value
1%
Annual fee
$0
PNC points® Visa® Business Credit Card card art

Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 5% back.

Madeen analysis

What does the PNC points Visa Business Credit Card earn in each category?

Dining is the strongest category at 1% effective value (5% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how PNC points Visa Business Credit Card compares across dining, grocery, gas, travel, and other spend.

Dining is the strongest category at 1% effective value (5% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how PNC points Visa Business Credit Card compares across dining, grocery, gas, travel, and other spend.

Category Earn rate Effective value
Dining
Restaurants, cafes, takeout
5% back 1% Top category
Grocery
Supermarkets and grocery stores
5% back 1%
Gas
Gas stations and fuel
5% back 1%
Travel
Flights, hotels, transit
5% back 1%
Other
General everyday spend
5% back 1%

Madeen values cash back at about 0.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

Madeen take

Who should get the PNC points Visa Business Credit Card?

The PNC points Visa Business Credit Card fits spenders who put meaningful volume in dining and can earn 5% back. Best for spenders who put meaningful volume in dining and can earn 5% back.

PNC points Visa Business Credit Card fits spenders who put meaningful volume in dining and can earn 5% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 5% back.

Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.

Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.

Pros

  • Strongest Madeen category is dining at about 1% effective (5% back).
  • No annual fee in our catalog snapshot.

Cons

  • Charges $3 foreign transaction fees.
  • Business card — rewards and liability rules differ from consumer cards.
Fees

Does the PNC points Visa Business Credit Card have an annual fee?

The PNC points Visa Business Credit Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.

Annual fee
$0
Foreign transaction fee
$3
Benefits

What benefits come with the PNC points Visa Business Credit Card?

The PNC points Visa Business Credit Card includes Auto Rental Collision Damage Waiver, Booking.com, Golf Benefits from Troon Rewards® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.

Madeen estimated annual value~$17,560
12 of 13 benefits valued
  • Purchase Security and Extended Protection

    $10,000/yr

    Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $10000.00 face value (annualized from issuer terms). Card-specific overrides recommended where amounts differ.

  • Lost Luggage Reimbursement

    $3,000/yr

    will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Travel Accident Insurance

    $3,000/yr

    provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $3000 face value (annualized from issuer terms).

  • Roadside Dispatch®

    $1,000/yr

    This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.

    Visa Signature®
    How we value this

    Statement credit face value from issuer terms — $1000 face value (annualized from issuer terms).

  • Sofar Sounds

    $240/yr

    Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.

    Visa Signature®
    How we value this

    Editorial review of "Sofar Sounds" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Visa Signature Concierge

    $150/yr

    Get assistance with travel planning, entertainment tickets and more.

    Visa Signature®
    How we value this

    Premium concierge service — editorial expected value $150/yr (not lounge-access proxy).

  • OpenTable

    $120/yr

    Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.

    Visa Signature®
    How we value this

    Editorial review of "OpenTable" — annual value verified from issuer terms (legacy auto-derived basis replaced during full catalog audit).

  • Auto Rental Collision Damage Waiver

    $10/yr

    (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

  • Golf Benefits from Troon Rewards®

    $10/yr

    Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

  • Travel and Emergency Assistance Services

    $10/yr

    When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

  • Visa Signature Luxury Hotel Collection

    $10/yr

    Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

  • Visa Signature Rental Car Privileges

    $10/yr

    Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.

    Visa Signature®
    How we value this

    Minimal expected value for standard network-tier boilerplate; excluded from card totals when flagged as network benefit.

Common questions about the PNC points Visa Business Credit Card

Does the PNC points Visa Business Credit Card have an annual fee?

The PNC points Visa Business Credit Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.

What category earns the most with the PNC points Visa Business Credit Card?

Dining is the strongest Madeen category for the PNC points Visa Business Credit Card at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.

Does the PNC points Visa Business Credit Card charge foreign transaction fees?

The PNC points Visa Business Credit Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.

What credit score do you need for the PNC points Visa Business Credit Card?

Madeen's catalog lists a typical credit range of Good to Excellent for the PNC points Visa Business Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.

How do you redeem rewards on the PNC points Visa Business Credit Card?

Rewards on the PNC points Visa Business Credit Card post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.

How do I maximize rewards on the PNC points Visa Business Credit Card?

Dining is the strongest Madeen category for the PNC points Visa Business Credit Card at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.

Compare

How does the PNC points Visa Business Credit Card compare to similar cards?

Compare the PNC points Visa Business Credit Card against PNC Cash Unlimited (2% on Dining, $0 fee); PNC Cash Rewards Visa Signature Business Credit Card (1.5% on Dining, $0 fee); PNC CashBuilder Visa (1.3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

CardTop categoryEffective valueAnnual fee
PNC points Visa Business Credit Card
This card
Dining1%$0
Dining2%$0
Dining1.5%$0
Dining1.3%$0
Dining1%$0
Merchants

Store-specific guides

Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.

Guides
Compare
Madeen app

See how this card ranks in your wallet

Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.

iOS App
Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Data source Madeen catalog analysis

PNC and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of PNC. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.

Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure

iOS App