PNC Visa Business Credit Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of PNC Visa Business Credit Card and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: The Plum Card from American Express wins on our scorecard (7.6/10 vs 7/10).
| Scored on | PNC Visa Business Credit Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 7 |
| Features | 6 | 9 |
| Annual Fee | $0 | $250 ($0 first year) |
| Intro APR | 0% for 13 months | — |
| Balance Transfer Fee | 3% or $5 | — |
| Foreign Transaction Fee | 3% | None |
| Late Payment Fee | Up to $39 | — |
| Late Fee | — | $39 or 2.99% |
| Purchase APR | — | N/A (Charge Card) |
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.
The Plum Card from American Express in one paragraph
The ultimate cash-flow bridge for inventory-heavy businesses that value time-to-pay over high-percent rewards.
Skip it if: You never carry a balance for more than 20 days and want to maximize every penny of rewards.
Frequently asked questions
Which is better, PNC Visa Business Credit Card or The Plum Card from American Express?
On our five-axis scorecard, The Plum Card from American Express scores higher (7.6/10 vs 7/10). The ultimate cash-flow bridge for inventory-heavy businesses that value time-to-pay over high-percent rewards.
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.
Who should skip The Plum Card from American Express?
You never carry a balance for more than 20 days and want to maximize every penny of rewards.