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 (7.4/10 vs 6.9/10).
| Scored on | PNC Visa Business Credit Card | United Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 6 |
| Features | 5 | 7 |
| Annual Fee | $0 | $99 ($0 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 | Up to $40 |
| Purchase APR | — | 21.49% - 28.49% variable |
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.
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 Visa Business Credit Card or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.4/10 vs 6.9/10). A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
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 United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.