PNC BusinessOptions® Visa Signature® Credit Card
- Annual fee
- $0 to $500
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 15.99% to 21.99% variable based on creditworthiness
At a glance
The PNC BusinessOptions® Visa Signature® Credit Card is a powerful all-in-one card that offers flexibility based on how you wish to use it for your company.
Our review of the PNC BusinessOptions® Visa Signature® Credit Card
If you’re looking for a business credit card that offers flexibility and choice, the PNC BusinessOptions® Visa Signature® Credit Card is worth considering. With options for both a traditional revolving credit line and a pay-in-full option similar to a charge card, this card gives you the power to decide how you want to manage your expenses.
Versatile Reward Options
One of the standout features of this card is the ability to choose your rewards program. Whether you prefer cash back, miles, or PNC points®, this card has you covered. With cash back, you can earn up to 1.5% back on your purchases and enjoy automatic rebates every quarter. If you opt for PNC points®, you’ll earn 5X points per $1 spent, which can be redeemed for a variety of rewards including merchandise, gift cards, travel booking, or statement credits.
Online Business Tools
Managing your account is easy with the suite of online tools provided by PNC Bank. You can activate or deactivate employee cards, set spending limits, access transaction history up to seven years back, and store billing statements for 13 months. Plus, you can download transaction history to QuickBooks® and assign cost allocation fields to transactions for better expense tracking.
An Annual Fee Which Varies Significantly
While the PNC BusinessOptions® Visa Signature® Credit Card does come with an annual fee, the amount you pay depends on your annual spending. For purchases totaling less than $50,000, the annual fee is $500. However, as your spending increases, the fee decreases, with no fee charged for annual purchases over $100,000.
Should You Apply for the PNC BusinessOptions® Visa Signature® Credit Card?
Overall, the PNC BusinessOptions® Visa Signature® Credit Card offers businesses the flexibility to choose their credit limit and rewards program. With varying annual fees based on spending, this card is best suited for businesses with higher annual expenses. Plus, the $750 statement credit sign-up bonus makes it a tempting choice for those looking to maximize their rewards.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Choose either a pay-in-full option or a revolving credit option to pay off your balance
- Choose between cash rebates, PNC points®, and travel rewards as your card's rewards program
- No foreign transaction fees
- No fees for additional employee cards, Add your company's logo to your card
Who this card may suit
- You own or operate a small business
- You want 1.5% cash back on purchases through the revolving card account option
- You require a significant amount of spending to cover company expenses
- You want the flexibility to choose your line of credit type as well as the type of rewards program that will apply to your card
- You intend to have additional cards issued to employees
- You want a card with no foreign transaction fees
- You're looking for a centralized account management portal that gives you real-time control over how your card (and your employees’) is used
Rates, fees and terms
| Annual Fee | $0 to $500 |
|---|---|
| Regular Purchase APR | 15.99% to 21.99% variable based on creditworthiness |
| Balance Transfer APR | 15.99% to 21.99% variable based on creditworthiness |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 26.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum) |
| Penalty APR | 33.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $49 |
| Return Payment Penalty Fee | $35 |
| Over Limit Penalty Fee | Up to $69 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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PNC BusinessOptions® Visa Signature® Credit Card
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