American Express Business Platinum vs PNC Business Rewards Visa Signature Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 7/10).
| Scored on | American Express Business Platinum | PNC Business Rewards Visa Signature Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 8 |
| Fees & pricing | 5 | 9 |
| Customer support | 7 | 6 |
| Features | 9 | 7 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | None |
| Late Payment Fee | Up to $39 | Up to $40 |
| Purchase APR | — | 18.24% - 26.24% (Variable) |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 Platinum or PNC Business Rewards Visa Signature Card?
On our five-axis scorecard, PNC Business Rewards Visa Signature Card scores higher (7.7/10 vs 7/10). 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 Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
Who should skip PNC Business Rewards Visa Signature Card?
You want high-tier rewards categories or a modern, tech-forward spend management platform.