American Express Business Gold vs PNC Business Rewards Visa Signature Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and PNC Business Rewards Visa Signature Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Business Gold wins on our scorecard (7.6/10 vs 7.4/10).
| Scored on | American Express Business Gold | PNC Business Rewards Visa Signature Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 5 |
| Features | 9 | 7 |
| Annual Fee | $375 | — |
| Foreign Transaction Fee | $0 | — |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | — |
| Purchase APR | 19.49% - 28.49% (Variable) | 18.24% - 26.24% (Variable) |
| Annual fee | — | $0 |
| Foreign transaction fee | — | 3% of each transaction |
| Late payment fee | — | Up to $40 |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
PNC Business Rewards Visa Signature Card in one paragraph
A reliable, no-frills 1.5% cash back workhorse for owners who want to avoid annual fees and complex reward math.
Skip it if: You frequently travel internationally or pay vendors in foreign currencies due to the 3% transaction fee.
Read the full PNC Business Rewards Visa Signature Card review
Frequently asked questions
Which is better, American Express Business Gold or PNC Business Rewards Visa Signature Card?
On our five-axis scorecard, American Express Business Gold scores higher (7.6/10 vs 7.4/10). A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Who should skip PNC Business Rewards Visa Signature Card?
You frequently travel internationally or pay vendors in foreign currencies due to the 3% transaction fee.