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: PNC Business Rewards Visa Signature Card wins on our scorecard (7.7/10 vs 7.5/10).
| Scored on | American Express Business Gold | PNC Business Rewards Visa Signature Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 9 |
| Customer support | 6 | 6 |
| Features | 9 | 7 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $39 | Up to $40 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Purchase APR | — | 18.24% - 26.24% (Variable) |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
PNC Business Rewards Visa Signature Card in one paragraph
A reliable, no-frills workhorse for business owners who want a $0 annual fee and no foreign transaction fees from a traditional bank.
Skip it if: You want high-tier rewards categories or a modern, tech-forward spend management platform.
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, PNC Business Rewards Visa Signature Card scores higher (7.7/10 vs 7.5/10). A reliable, no-frills workhorse for business owners who want a $0 annual fee and no foreign transaction fees from a traditional bank.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
Who should skip PNC Business Rewards Visa Signature Card?
You want high-tier rewards categories or a modern, tech-forward spend management platform.