PNC Business Rewards Visa Signature Card vs United Business Card: which one fits your business?
Side-by-side comparison of PNC Business Rewards Visa Signature Card and United Business 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 7.4/10).
| Scored on | PNC Business Rewards Visa Signature Card | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 6 |
| Features | 7 | 7 |
| Annual Fee | $0 | $99 ($0 first year) |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 18.24% - 26.24% (Variable) | 21.49% - 28.49% variable |
| Late Payment Fee | Up to $40 | Up to $40 |
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
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
Frequently asked questions
Which is better, PNC Business Rewards Visa Signature Card or United Business Card?
On our five-axis scorecard, PNC Business Rewards Visa Signature Card scores higher (7.7/10 vs 7.4/10). 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 PNC Business Rewards Visa Signature Card?
You want high-tier rewards categories or a modern, tech-forward spend management platform.
Who should skip United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.