PNC Visa Business Credit Card vs United Business Card: which one fits your business?
Side-by-side comparison of PNC Visa Business Credit Card and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Business Card wins on our scorecard (7.3/10 vs 7/10).
| Scored on | PNC Visa Business Credit Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 6 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Intro APR | 0% for 13 months | — |
| Balance Transfer Fee | 3% or $5 | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $39 | Up to $40 |
| Employee Card Fee | — | $0 |
| Purchase APR | — | 21.49% - 28.49% variable |
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.
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 Visa Business Credit Card or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.3/10 vs 7/10). A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
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 United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.