American Express Blue Business Plus vs PNC Visa Business Credit Card: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and PNC Visa Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Blue Business Plus wins on our scorecard (8.5/10 vs 7/10).
| Scored on | American Express Blue Business Plus | PNC Visa Business Credit Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 7 | 5 |
| Features | 8 | 6 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 2.7% | 3% |
| Purchase APR | 18.49% - 26.49% Variable | — |
| Intro APR | 0% for 12 months | 0% for 13 months |
| Employee Cards | $0 | — |
| Balance Transfer Fee | — | 3% or $5 |
| Late Payment Fee | — | Up to $39 |
American Express Blue Business Plus in one paragraph
The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Skip it if: You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
PNC Visa Business Credit Card in one paragraph
A powerhouse for debt consolidation and interest-free financing, but lacks the long-term rewards to be your primary spending card.
Skip it if: You spend heavily on international travel or software and want to earn 2% cash back on every purchase.
Frequently asked questions
Which is better, American Express Blue Business Plus or PNC Visa Business Credit Card?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.5/10 vs 7/10). The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Who should skip American Express Blue Business Plus?
You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
Who should skip PNC Visa Business Credit Card?
You spend heavily on international travel or software and want to earn 2% cash back on every purchase.