
PNC BusinessOptions Visa Signature Credit Card
in Business Credit Cards from PNC Bank
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Purchase APR (Variable APR) | 10.99% - 16.99% |
Balance Transfer APR (Variable APR) | 10.99% - 16.99% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 - $500 |
PNC BusinessOptions Visa Signature Credit Card Review
- Signup bonus. Offers a signup bonus of $750 if you spend $25000.
- Competitive APRs. PNC BusinessOptions Visa Signature Credit Card has a variable purchase APR that ranges from 10.99% up to 16.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $500 for the privilege.
- 3% Balance transfer fee. PNC BusinessOptions Visa Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
The Good | The Bad |
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Who is PNC business Options credit card designed for?
This is a credit card issued by PNC Bank.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.
This business card has a credit limit of up to 5000.
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 10.99% up to 16.99%. The card has a variable balance transfer APR that ranges from 10.99% up to 16.99%.
It also has a variable cash advance APR of 21.99%. Note that late payments are subject to an APR of 28.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business credit card does not offer an introductory rate on new purchases.Purchase APR | 10.99% - 16.99% |
Balance Transfer APR | 10.99% - 16.99% |
Cash Advance APR | 21.99% |
Penalty APR | 28.99% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $49.
- A returned payment fee of up to $35.
- An overlimit fee of $49.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Balance Transfer Fee | 3% |
Minimum Balance Transfer Fee | $5 |
Returned Payment Fee | $35 |
Late Payment Fee | up to $49 |
Does it offer a cash back rewards program?
This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Advertising Services
- Airfare
- Amazon.com
- Car Rentals
- Internet, Cable and Phone Services
- Drug Stores
- Education
- Every Purchase
- Furniture
- Gas stations
- Groceries
- Gyms
- Home Improvement
- Hotels
- Insurance
- Office Supply Stores
- Restaurants
- Retail
- Shipping
- Software, Hardware, Cloud
- Utilities
- Warehouse Clubs
Does it have a sign up bonus?
Yes, it offers card users a signup bonus worth up to $750 after you spend $25000.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the support contact email?
The support contact email for this business credit card is customer.service@pnc.com.
Does PNC BusinessOptions Visa Signature Credit Card report your account activity to credit bureaus?
Yes, PNC BusinessOptions Visa Signature Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the PNC Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From PNC BusinessOptions Visa Signature Credit Card
Contact
- Headquarters
-
One PNC Plaza 249 Fifth Ave
Pittsburgh, PA 1522 - Visit Site
- Email Support
Other Services by PNC Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
Annual Fee | $0 - $500 |
Cash Advance Fee (%) | 4% |
Cash Advance Fee Minimum | $10 |
Late Fee Amount | Up to $49 |
Minimum Cash Advance Fee ($) | $10 |
Over-Limit Fee | $49 |
Returned Payment Fee | $35 |
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