SuperMoney
  PNC BusinessOptions Visa Signature Credit Card
PNC BusinessOptions Visa Signature Credit Card Claimed

PNC BusinessOptions Visa Signature Credit Card

Claimed
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend PNC BusinessOptions Visa Signature Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

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

This is a rewards card issued by PNC Bank. If you're wondering whether PNC business Options credit card is the right card for you, read on.

Key Takeaways

  • Signup bonus. Offers a signup bonus of up to $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.

Pros & Cons of PNC business Options credit card

The Good The Bad
  • Potentially 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 purchases everywhere PNC BusinessOptions Visa Signature Credit Card is accepted.
  • PNC BusinessOptions Visa Signature Credit Card reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.

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 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 or rewards program?

Yes, PNC business Options 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:

  • Every Purchase

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.

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.

Message From PNC business Options credit card

Businesses with annual credit card spend of $50,000 or more can get account options to control employee spending, and manage cash flow. It’s a convenient all-in-one card program for purchasing, fleet, travel and entertainment spending, with the added benefits of a Visa Signature card. Online reporting and spending controls to support expense management. You have three options for rewards, with no reward program fees. Provides travel benefits and protection for purchases.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 2:00pm

Other Services by PNC Bank

Icon for Business Credit Cards
View all business credit cards offered by PNC Bank

Other Business Credit Cards by PNC Bank

Loading...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0 - $500
Cash Advance Fee (%) 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 0%
Late Fee Amount Up to $49
Minimum Cash Advance Fee ($) $10
No Foreign Transaction Fee
Over-Limit Fee $49
Returned Payment Fee $35
Customer Type Business
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Business Formation Documents
  • Government Issued Photo ID
  • Social Security Number
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
  • Every Purchase
Signup Bonus Starting at $750
APR Type Variable APR
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

Be the first to rate

 

Would you recommend PNC BusinessOptions Visa Signature Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Business Credit Cards