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  PNC BusinessOptions Visa Signature Credit Card

PNC BusinessOptions Visa Signature Credit Card

in Business Credit Cards from PNC Bank

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PNC BusinessOptions Visa Signature Credit Card

Unaffiliated

in Business Credit Cards from PNC Bank

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Highlights
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

Key Takeaways
  • 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 oods if your credit score is above650.
Pros & Cons of PNC business Options credit card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • PNC BusinessOptions Visa Signature Credit Card reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
PNC business Options credit card FAQ

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.

PNC business Options credit card Rates & Terms
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.

PNC business Options credit card Fees
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 customer service phone number?

The customer service number for this business card is (888) 762-2265.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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

Eligible In-Store Purchases (Points) 5
Every Purchase (Points) Earn 5 points for every $1 of qualifying purchases. Earn 1 mile for every $1 in eligible net purchases.
Every Purchase (Points) 5
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
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Bonus Rewards Annual fee up to $500 based on the amount of spending per calendar year. (See the credit card page for more information). Earn a $750 Statement Credit by making at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening
Rewards Categories
  • 5x Points on Every Purchase
Signup Bonus Starting at $750
Cash Advance APR (Variable APR) 21.99%
Credit Limit $5,000 - $250,000
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 10.99% - 16.99%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 10.99% - 16.99%
Card Network Visa
Card Type
  • Rewards

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