Keeping your business credit and personal credit separate is your first order of business as you begin funding your small business. Does PNC business credit card report to personal credit? Will they show up on your credit report or affect your personal credit score?
PNC business credit cards are a solid choice because they do not report to personal credit bureaus.
PNC Bank only reports business credit card activity to business credit card bureaus. This will help you boost your business credit score without affecting your personal credit score.
PNC Bank offers several business cards, each of which features perks like:
- Introductory 0% APR for nine or more billing cycles
- Points on eligible purchases or 1.5% cash back
- Multiple ways to redeem rewards with this card issuer
- Potential business credit-building support (It states that they “may report information about the Company’s performance on the account to the business credit bureaus.” Some sources state that they’re one of the business credit cards that report to Dun & Bradstreet, Equifax, and Experian. Confirming each business credit bureau before finishing an application will set you up for better credit-building results.)
PNC business credit cards are reportedly easier to qualify for than other business credit cards. However, it is important to note that the APR can be quite high. They feature a variable APR of anywhere from 16.24% to 28.49% on their cards.
They may not report to personal credit bureaus. Still, they do typically require a personal guarantee. If you want to avoid both, you’ll need to look for a business credit card that doesn’t require a personal guarantee.
Other Business Cards that Report to the Personal Credit Bureaus
PNC Bank is one of the few banks that doesn’t report business credit card activity to personal credit bureaus.
However, there are a staggering number of banks that may show up on your credit report. This is important to know ahead of time, as you’re likely looking for business credit cards with EIN only.
Whether they only report negative activity or report positive business credit card activity too (and no matter which consumer credit bureau they report to), these include:
Who the Major Business Credit Card Issuers Report To
| Brand | When They Report To Personal Bureaus |
| American Express | Negative Card Activity Only |
| Capital One | Reports All Business Credit Card Activity, With a Few Exceptions That May Not Affect Your Personal Credit Score |
| Chase | Negative Business Credit Card Activity |
| Wells Fargo | Negative Business Credit Card Activity |
| Citi | May Report All Business Credit Card Activity to Each Major Credit Bureau |
| U.S. Bank | Negative Business Credit Card Activity |
If you’re planning on applying for any other business credit cards, consult the above! This will prevent any surprises from popping up on your business credit report.
Build Business Credit with Credit Suite
Figuring out which small business credit card you qualify for or which will help you build your credit is a time-consuming process.
Credit Suite streamlines your credit-building and business funding needs for faster, better results.
Our Fundability System supports your small business by:
- Providing you with step-by-step guidance as you understand and address issues that are preventing you from building business credit and accessing better opportunities
- Conveniently matching you with credit issuers, lenders, and vendors in our extensive database
- Giving you expert support and additional benefits like business credit monitoring
- Unlocking higher credit limits and loans so that you can continue progressing
Sign up for our Fundability System to discover what Credit Suite can help your small business achieve!
