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 (7.4/10 vs 7.3/10).
| Scored on | PNC Business Rewards Visa Signature Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 7 | 8 |
| Annual fee | $0 | — |
| Foreign transaction fee | 3% of each transaction | — |
| Purchase APR | 18.24% - 26.24% (Variable) | 21.49% - 28.49% variable |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $99 (often $0 for the first year) |
| Foreign Transaction Fee | — | $0 |
| Employee Card Fee | — | $0 |
| Late Payment Fee | — | Up to $40 |
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
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
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 (7.4/10 vs 7.3/10). A reliable, no-frills 1.5% cash back workhorse for owners who want to avoid annual fees and complex reward math.
Who should skip PNC Business Rewards Visa Signature Card?
You frequently travel internationally or pay vendors in foreign currencies due to the 3% transaction fee.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.