The PNC bank is a business credit card from PNC bank. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 18.00% - 25.00% Variable after a 0% introductory annual percentage rate (APR) for the first 9 billing cycles following account opening for purchases introductory rate for 9 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn a $400 statement credit after making at least $3,000 in net purchases during the first three billing cycles following account opening.. Rewards: Earn Cash Back From Business Spending. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Needs thorough account seasoning for month to qualify | EXPERT REFERENCE (Aug 2025): 0% for 13 months (balance transfers) | EXPERT REFERENCE (Aug 2025): Limits up to $25K | EXPERT REFERENCE (Aug 2025): Requires merchant services | EXPERT REFERENCE (Feb 2026): Typical no-doc range: up to $100K after account history | EXPERT REFERENCE (Feb 2026): Pulls: Experian