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: PNC Visa Business Credit Card wins on our scorecard (7/10 vs 6.6/10).
| Scored on | American Express Business Platinum | PNC Visa Business Credit Card |
|---|---|---|
| Right fit for small biz | 5 | 7 |
| Ease of use | 7 | 7 |
| Fees & pricing | 4 | 9 |
| Customer support | 8 | 5 |
| Features | 9 | 6 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Intro APR | N/A (Charge Card) | 0% for 13 months |
| Balance Transfer Fee | — | 3% or $5 |
| Late Payment Fee | — | Up to $39 |
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 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 Platinum or PNC Visa Business Credit Card?
On our five-axis scorecard, PNC Visa Business Credit Card scores higher (7/10 vs 6.6/10). A powerhouse for debt consolidation and interest-free financing, but lacks the long-term rewards to be your primary spending card.
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 Visa Business Credit Card?
You spend heavily on international travel or software and want to earn 2% cash back on every purchase.