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PNC BusinessOptions® Visa Signature® Credit Card

Credit needed
Good/Excellent
APR
10.99% to 16.99%
Annual Fee
$500.

Card Summary

PNC Business Options Visa Signature Credit Card offers business rewards.

There are three options for rewards: travel rewards, cash rebates and PNC points.

You will receive a $750 credit to your statement if you open the PNC Business Options Visa Signature Credit Card before December 31, 2020 and make qualifying purchases of $25,000 within the three billing cycles.

You have two options:

a pay in full option that allows you to spend up to $250,000,
or a revolve option that can allow for spending up to $50,000.

The cardholder benefits include an auto-rental collision damage waiver and roadside dispatch.

Card Summary - Cons

Rates and fees

Issuer Name
PNC
Penalty APR
Variable at 28.99%
Credit Needed
Good/Excellent
Balance Transfer Fee
Either $5, or 3% depending on the balance transferred.
Annual Fee
$500.
Cash Advance Fee
Maximum $75. Minimum $10.
APR
10.99% to 16.99%
Foreign Transaction Fee
None
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The Best Features

Rewards: The PNC Business Options Visa Signature credit card offers three ways to earn rewards. You can choose from cash rebates or PNC points, as well as travel rewards.

Cardholders who choose the revolve option and receive cash rewards will get 1.5% cashback. You will get 1% cashback if you choose the pay-in full option with cash rewards.

You will receive five points for every dollar spent on purchases made through the PNC points program. You can choose to earn travel rewards and you'll get 1 mile for every dollar.

Rewards

Sign up bonus

Apply for the PNC Business Options Visa Signature Credit Card before Dec 31, 2020 and make $25,000 in eligible purchases within the first three billing cycles after account opening.

You will receive a $750 statement credit.

APR Requirements

Drawbacks

There is no introductory rate: Balance transfers and purchases are not covered by the PNC Business Options Visa Signature Credit Card.

Standard APR for the revolve option ranges from 10.99% to 16.99% variable APR.

This APR may vary depending on market conditions.

Highlights

Get a $750 statement credit.

You can choose a pay in full option that has a credit limit of up to $250,000, or you could opt for a revolve option which has a credit limit of up to $50,000.

Choose from 3 reward programs.

Individual cards are free of charge.

Capability to restrict individual employees' spending per merchant/ purchase category.

Purchase transactions outside of the United States are free.

Online Access to View Transactions and Generate Reports.

Get PNC Business Options Visa Signature Card Benefits.

Benefits

Waiver of collisions for auto rental vehicles.
Roadside dispatch,
Secure your assets,
Protection under an extended warranty,
Refunds for lost luggage,
Replacement of an emergency card,
Emergency cash disbursement,
Travel accident insurance,
Services for emergency and travel assistance,
Concierge service.


Maximizing Rewards

Three options are available for PNC Business Options Visa Signature Credit Card to earn rewards: travel rewards, cash rebates and PNC points.

When choosing the rewards program that you would like to use, you should take into account your company's spending habits and preferences for redeeming rewards.

Revolving payment cardholders will receive 1.5% cashback if they have cash rewards cards. Cash rewards cardholders who pay in full earn 1% cashback. PNC Points cardholders earn 5 points for every dollar spent.

You will receive 1 mile for every dollar when you purchase travel rewards.

You will receive a $750 statement credit if you open the PNC BusinessOptions Visa Signature Credit Card before December 31, 2020 and make $25,000 of qualifying purchases within the first three billing cycles.

Comparative Analysis with Other Cards

PNC BusinessOptions Visa Signature Credit Card PNC BusinessOptions Visa Signature Credit Card vs. Ink Business Prefer Credit Card

Annual Fee: The PNC BusinessOptions Visa Signature credit card will charge a $500 annual fee. The Ink Business Preferred Credit Card will require you to pay $95 annually.

Rewards: Cardholders with the PNC BusinessOptions Visa Signature Credit Card have the option of cash rebates or PNC points. The Ink Business Preferred credit card will give you three points for every $150,000 in travel, internet and telephone services combined. You can also earn advertising on social media, search engines, and shipping.

Sign up bonus: You will receive a $750 statement credit if you open an account for the PNC BusinessOptions Visa Signature Credit Card before December 31, 2020 and make $25,000 of qualifying purchases within the first three billing cycles. After you have spent $15,000 in qualifying purchases within the first three months of account opening, you can get 100k bonus points. Chase Ultimate Rewards (r) will give you $1,000 cash back and $1,250 towards travel.

Benefits: PNC BusinessOptions Signature Credit Card Holders Get Benefits, including: an auto rental collision damage waiver; roadside dispatch; purchase security; extended warranty protection; lost luggage reimbursement; emergency cash disbursement; travel accident insurance and travel and emergency assistance service.

The Ink Business Preferred Credit Card offers trip cancellation, interruption insurance, roadside dispatch and an auto rental collision damages waiver. It also includes purchase protection, extended warranty protection, and cellphone protection.

Redeeming Rewards

Maximizing Rewards

Annual Fees

The annual fee for the PNC Business Options Signature Credit Card is $500. This fee depends on how many net purchases you make each year.

Annual fees for cardholders who make less than $50,000 in annual purchases are $500. $250 is for purchases over $50,000.

$125 is for purchases above $74,999.99. $125 is for purchases below $75,000.

No annual fee is charged for purchases greater than $100,000.

Conclusion

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No late fees. Reduced interest charges. Pay off

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