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pnc

PNC BusinessOptions® Visa Signature® Credit Card

You can earn 5 points for 1 dollar spent on the PNC points Visa Business Credit Card. You can collect points and combine business and personal points

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

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.

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.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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