PNC Visa Business Credit Card vs United Club Business Card: which one fits your business?
Side-by-side comparison of PNC Visa Business Credit Card and United Club Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Club Business Card wins on our scorecard (7.5/10 vs 6.9/10).
| Scored on | PNC Visa Business Credit Card | United Club Business Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 6 | 7 |
| Features | 5 | 9 |
| Annual Fee | $0 | $450 |
| 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 | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | Up to $40 |
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 Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
Frequently asked questions
Which is better, PNC Visa Business Credit Card or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.5/10 vs 6.9/10). A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
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 Club Business Card?
You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.