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 (7.4/10 vs 6.6/10).
| Scored on | American Express Business Platinum | PNC Business Rewards Visa Signature Card |
|---|---|---|
| Right fit for small biz | 5 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 4 | 9 |
| Customer support | 8 | 5 |
| Features | 9 | 7 |
| Annual Fee | $695 | — |
| Foreign Transaction Fee | $0 | — |
| Intro APR | N/A (Charge Card) | — |
| Annual fee | — | $0 |
| Foreign transaction fee | — | 3% of each transaction |
| Purchase APR | — | 18.24% - 26.24% (Variable) |
| Late payment fee | — | Up to $40 |
American Express Business Platinum in one paragraph
A powerhouse for high-spend travelers, but a calculated liability for the average local small business owner.
Skip it if: Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
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 Platinum or PNC Business Rewards Visa Signature Card?
On our five-axis scorecard, PNC Business Rewards Visa Signature Card scores higher (7.4/10 vs 6.6/10). A reliable, no-frills 1.5% cash back workhorse for owners who want to avoid annual fees and complex reward math.
Who should skip American Express Business Platinum?
Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
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.