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 (7.3/10 vs 6.9/10).
| Scored on | PNC Visa Business Credit Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 6 |
| Features | 5 | 8 |
| Annual Fee | $0 | $250 (waived first year) |
| Intro Purchase APR | 0% for 9 months | — |
| Regular APR | 16.24% - 24.24% (Variable) | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
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 (7.3/10 vs 6.9/10). The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
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.
Who should skip The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.