American Express Business Platinum vs PNC Visa Business Credit Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 Platinum wins on our scorecard (7/10 vs 6.9/10).
| Scored on | American Express Business Platinum | PNC Visa Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 9 |
| Customer support | 7 | 6 |
| Features | 9 | 5 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | 3% |
| Late Payment Fee | Up to $39 | Up to $40 |
| Intro Purchase APR | — | 0% for 9 months |
| Regular APR | — | 16.24% - 24.24% (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 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 Platinum or PNC Visa Business Credit Card?
On our five-axis scorecard, American Express Business Platinum scores higher (7/10 vs 6.9/10). A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
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 Visa Business Credit Card?
You pay your balance in full every month and want to earn cash back or travel points.