American Express Business Gold vs PNC Visa Business Credit Card: which one fits your business?
Side-by-side comparison of American Express Business Gold 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 Business Gold wins on our scorecard (7.6/10 vs 7/10).
| Scored on | American Express Business Gold | PNC Visa Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 5 |
| Features | 9 | 6 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | Up to $39 |
| Purchase APR | 19.49% - 28.49% (Variable) | — |
| Intro APR | — | 0% for 13 months |
| Balance Transfer Fee | — | 3% or $5 |
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 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 Business Gold or PNC Visa Business Credit Card?
On our five-axis scorecard, American Express Business Gold scores higher (7.6/10 vs 7/10). 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 Visa Business Credit Card?
You spend heavily on international travel or software and want to earn 2% cash back on every purchase.