PNC Cash Rewards® Visa Signature® Business Credit Card
The PNC Cash Rewards® Visa Signature® Business Credit Card from PNC earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $400 Statement after making at least $3,000 in net purchases during the first three billing cycles following account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the PNC Cash Rewards Visa Signature Business Credit Card earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the PNC Cash Rewards Visa Signature Business Credit Card?
The PNC Cash Rewards Visa Signature Business Credit Card fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
PNC Cash Rewards Visa Signature Business Credit Card fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% 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 1.5% back. The welcome bonus can help if you can meet the spend requirement.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
What is the PNC Cash Rewards Visa Signature Business Credit Card welcome bonus?
In Madeen's catalog snapshot, the PNC Cash Rewards Visa Signature Business Credit Card welcome offer is Earn a $400 Statement after making at least $3,000 in net purchases during the first three billing cycles following account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $400
- Terms (catalog snapshot)
- Earn a $400 Statement after making at least $3,000 in net purchases during the first three billing cycles following account opening.
- Minimum spend
- $3,000
- Window
- 3Months
Does the PNC Cash Rewards Visa Signature Business Credit Card have an annual fee?
The PNC Cash Rewards Visa Signature Business Credit Card has an annual fee of $0 and a foreign transaction fee of $3. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the PNC Cash Rewards Visa Signature Business Credit Card?
The PNC Cash Rewards Visa Signature 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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Lost Luggage Reimbursement
$35/yrwill 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.
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.
Golf Benefits from Troon Rewards®
$10/yrEnjoy 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.
Purchase Security and Extended Protection
$10/yrPurchase 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.
Roadside Dispatch®
$10/yrThis 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.
Travel Accident Insurance
$10/yrprovides 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.
Travel and Emergency Assistance Services
$10/yrWhen 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 Concierge
$10/yrGet assistance with travel planning, entertainment tickets and more.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook 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.
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Common questions about the PNC Cash Rewards Visa Signature Business Credit Card
Does the PNC Cash Rewards Visa Signature Business Credit Card have an annual fee?
The PNC Cash Rewards Visa Signature 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 Cash Rewards Visa Signature Business Credit Card?
Dining is the strongest Madeen category for the PNC Cash Rewards Visa Signature Business Credit Card at about 1.5% 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 Cash Rewards Visa Signature Business Credit Card charge foreign transaction fees?
The PNC Cash Rewards Visa Signature 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the PNC Cash Rewards Visa Signature Business Credit Card welcome bonus?
The PNC Cash Rewards Visa Signature Business Credit Card welcome offer in our snapshot: Earn a $400 Statement after making at least $3,000 in net purchases during the first three billing cycles following account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the PNC Cash Rewards Visa Signature Business Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the PNC Cash Rewards Visa Signature Business Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the PNC Cash Rewards Visa Signature Business Credit Card?
Rewards on the PNC Cash Rewards Visa Signature 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the PNC Cash Rewards Visa Signature Business Credit Card compare to similar cards?
Compare the PNC Cash Rewards Visa Signature Business Credit Card against PNC Cash Unlimited (2% on Dining, $0 fee); PNC CashBuilder Visa (1.3% on Dining, $0 fee); PNC BusinessOptions Visa Signature Credit Card (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
PNC Cash Rewards Visa Signature Business Credit Card This card | Dining | 1.5% | $0 |
| Dining | 2% | $0 | |
| Dining | 1.3% | $0 | |
| Dining | 1% | $0 | |
| Dining | 1% | $0 |
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