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 (7.5/10 vs 6.9/10).
| 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 | 6 | 6 |
| Features | 9 | 5 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Late Payment Fee | Up to $39 | Up to $40 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Intro Purchase APR | — | 0% for 9 months |
| Regular APR | — | 16.24% - 24.24% (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 Visa Business Credit Card in one paragraph
The PNC Visa Business Credit Card is a no-frills, low-interest utility tool for owners who value cheap capital over rewards points.
Skip it if: You pay your balance in full every month and want to earn cash back or travel points.
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 (7.5/10 vs 6.9/10). The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
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 Visa Business Credit Card?
You pay your balance in full every month and want to earn cash back or travel points.