Update 6/23/24: New offer is $600 for $6,000 spend. Also comes with 0% APR on purchases for 9 months. (ht Etheostoma)
The Offer
- Earn a
$400bonus when you open and use a new PNC Cash Rewards Visa Signature Business credit card and spend$3,000during the first three billing cycles following account opening.
Card Details
- No Annual Fee
- Earn 1.5% Cash Back on all purchases with no limit.
- Redeem cash back anytime as a statement credit, or deposit cash back into an eligible PNC Business checking or savings account.
- Visa Signature benefits
Our Verdict
Nice cash signup bonus for business owners in eligible states. I don’t know how hard PNC is with approving business credit cards. PNC does not report business cards to the personal bureaus, though you will get a hard pull on your personal report.
They also have a PNC BusinessOptions credit card with a $750 bonus when you spend $25,000, though most people will prefer this $400 offer due to the reasonable spend requirement.
Hat tip to Travelwithgrant
Datapoint, FWIW — I got approved in April 2025, almost immediately met the spending requirement by making tax payments, then sat back and waited for $600 SUB. Waited 3 months, no SUB, called to follow up. My contact was nice enough, but eventually replied that “tax payments are not purchases” and therefore no SUB. Obviously absurd answer & result. Irritating but I will try not to lose sleep over it.
Looks like the bonus is gone but now earns 3% unlimited for the first year.
Why the hell is this expired offer still showing up on the list of best offers?
This is very confusing card. There is nowhere on card management page any indication of points earned, how 1.5% cashback is issued?
Appears that you can see limited information about business card under personal login. To see all information separate business login needed.
Another observation that using PNC business card for for funding other bank accounts may be not counted as eligible purchase (at least no points were earned but no cash advance fee either)
The $600 offer is gone.
Having a business checking, my P2 got targeted with the $600/ 3k spend rather than 6k. The only downside is that is a statement credit rather than cashback. Considering it offers 9 months 0% APR, it’s a letdown but still much better than what’s around
I risked and also applied with a targeted code addressed to P2 after she signed up with the first code. Still have to meet spend. Will see if it pays out
Curious if you got the bonus?
BTW: The $600 public offer is gone
Yes, I got paid promptly as soon as I finished the spend, although not targeted. Statement Credit ofc
Any idea on difficulty of approvals? PNC inquiry sensitive?
I have this card from a year ago. If I apply again and get a new card, am I eligible for the bonus? I didn’t see restrictions mentioned in the terms but just wondered if anyone successfully churned this before.
No when I was about to try I found the offer expired…
tried with personal account. no luck.
Targeted mailer $600 for only $3K spend. Same 0% APR for 9 cycles.
Approved almost instantly – app went pending then approval email soon after.
In CO, applied as sole prop, existing biz checking.
CL $7.5K, reported biz income $25K.
EX pulled, 2/24 on accounts but 4/6 on inquiries, including two HPs yesterday 😅