BusinessOptions Online Toolkit
It's your one-stop hub for all the information that you need to administer your BusinessOptions card.
About
The Visa Signature® BusinessOptionsSM credit card delivers the options you need to control employee spending and manage cash flow. It’s a convenient, all-in-one card program for purchasing, fleet, and travel and entertainment purchases.
With BusinessOptions, your options have never been better.
Take advantage of many account features
- Choice of 3 rewards programs
- No fee for issuing employee cards
- Visa Signature Benefits[1]
- Visa Signature Concierge service
- Comprehensive Visa travel benefits
- Purchase Security and Extended Protection
- Ability to limit individual employee spending by merchant or purchase category
- Online access to view transactions and generate reports
- Optional expense allocation features provided by Advanced Reporting Tool
- Option to add your company logo to cards for just $350
Annual Fee up to $500 (beginning with the 13th billing cycle after Account opening). The amount of the annual fee is based on the annual total of net purchases (as defined below) made on the Account for the previous 12 billing cycles as follows:
Annual Total of Net Purchases |
Annual Fee |
Spending Controls
Managing cash flow is a realtime process
With PNC BusinessOptions, your business can choose to use Account View or the Advanced Reporting Tool to manage card spending limits by employee, by category and by merchant, any time of the day or night.
Limit Purchases and Spending
These tools allow you to assign a Program Administrator who has the authority to manage your BusinessOptions account online, without having to depend on calling Customer Care. The Program Administrator can:
- Close or temporarily deactivate cards
- Request additional cards
- Set cardholder spending limits
- Restrict purchases by merchant category and amount
- Limit cash access at ATMs
If you are not already using these online program management tools, you can enroll in either or both systems. Call 1-877-459-9801 and say "Account View / Advanced Reporting." We'll be happy to help you enroll or review the system features.
Account View Resources
Advanced Reporting Tool Resources
Reporting and Analysis
Program Administrators have online oversight of employee purchases
Both Advanced Reporting Tool and Account View allow you to:
- Download transactions into Excel®, Quicken®, or QuickBooks®
- Use .csv file format to import into other accounting software
However, only the Advanced Reporting Tool* adds extra analytical features, that allow you to:
- Create ad hoc inquiries for viewing cardholder purchases
- Use pre-formatted spending reports by vendor type
- Research stored transaction history (system will build up to 7 years of activity)
Cardholders have access to transaction details
Cardholders can use these tools to view their activity online, without having to depend on calling Customer Care. They can use this access to:
- View card balances
- Sort & search transactions
- Schedule online payments
- Manage e-statements
- Assign your company's unique cost allocation coding to transactions for internal accounting and analysis (Advanced Reporting Tool only)
If you are not already using these online program management tools, you can enroll in either or both systems. Call 1-877-459-9801 and say "Account View / Advanced Reporting." We'll be happy to help you enroll or review the system features.
Account View Resources
Advanced Reporting Tool Resources
Rewards
The Visa Signature BusinessOptions card offers a choice of three rewards programs at no cost for your company.
Your company has selected either PNC points®, Travel Rewards or Cash Rebates.
Cash Rebates
- Designed for corporations wanting to maximize savings across all card spending and reinvest in the business.
- Earns a rebate on eligible net purchases, which is automatically credited on the business statement each calendar quarter.
- No log-in or additional enrollment is required.
Download Terms and Conditions for Cash Rebate
PNC points
- Earn 5 points per $1 of qualifying purchases
- Start redeeming with as few as 3,000 points
- Rewards include merchandise, gift cards, travel or statement credits.
- Aggregate rewards for the company or leverage points for employee recognition, at the individual level.
Enroll/Log in to PNC points
Browse Rewards
View Terms and Conditions for PNC points
Travel Rewards
- Earn 1 mile per $1 of eligible net purchases.
- Earn double Miles for the first $2,500 in eligible net purchases
- Book directly with any airline, with no blackout dates or restrictions. Select your carrier. Fly any airline and stay at any hotel.
- After your travel purchase is billed to your BusinessOptions card, you can redeem miles for a statement credit.
Enroll/Log in to Travel Rewards
Download Terms and Conditions for Travel Rewards
Pricing
With Visa Signature® BusinessOptionsSM, your company has selected the right program for your needs.
Below you will find an explanation of the fees associated with the card.
| Annual Fee | Annual Fee up to $500 (beginning with the 13th billing cycle after Account opening). The amount of the annual fee is based on the annual total of net purchases (as defined below) made on the Account for the previous 12 billing cycles as follows:
|
||
| Card Issuance Fee | None | ||
| APRs | Purchase APR: 18.99% Variable APR** Cash Advance APR: 21.99% Variable APR** |
||
| Rewards Program Fee | None | ||
| Late Fee | Up to $49 | ||
| Overlimit Fee | $69 | ||
| Return Check Fee | $35 | ||
| Foreign Transaction Fee | None | ||
| Custom Logo | $350 |
**The Index in effect for each Billing Cycle shall be the highest "Prime Rate" of interest appearing in the "Money Rates" section of The Wall Street Journal published during the previous 90 days prior to the 8th business day prior to the last day of such Billing Cycle.
Promotions
As a program administrator for Visa Signature® BusinessOptionsSM, we invite you to take advantage of our cost-saving promotions. These benefits are available only to you and your cardholders. Check back frequently for updates.
Visa Signature Cardholder Benefits
Your PNC Visa Signature® credit card gives you access to dozens of perks in addition to the rewards you earn. All with the service, security and control you expect. Learn more »
Visa Signature Concierge Service[1]
Provides 24 x 7 x 365 assistance with a wide-range of services which include, but are not limited to:
- Recommendations and reservations for restaurants, hotels, health clubs, car rentals, car services and limousine services
- Travel information/assistance and visa/passport information
- Sports and entertainment information—reservations and ticketing
- Business services arrangements and foreign protocol information
Visa Signature Perks
Also, take advantage of these perks:
- Complimentary discounts and upgrades at top hotels, resorts, and cruise lines when you book through the Visa Signature Luxury Hotel Collection
- Access to once-in-a-lifetime sporting events and entertainment offers/perks at visasignature.com
- Access to gourmet dining and wine events at Sonoma County wineries
Visa Business Discounts
Your BusinessOptions card can help your bottom line, with savings at a great selection of more than 35 popular business retailers and travel services. Check the website below for a full list of merchants, discount details and web links to the providers discount website. Learn more »
- Discounts of up to 40% off
- Merchant categories include:
- Car Rental, Computers & Electronics
- Flowers & Gifts
- Restaurants
- Golf
- Hotels & Lodging
- Office Supplies
- Telecom & Internet
- Travel
Shop and Save with Visa SavingsEdge[2]
Receive automatic discounts when you use your enrolled Visa Business credit and check cards at participating merchants. Your savings will appear as credits on your monthly statement so you'll be able to see where and just how much you're saving. Learn more »
Need Help?
Customer Service
Visa Signature® BusinessOptionsSM also provides you with strong customer service. In most cases, you'll be able to quickly find answers to your questions at our FAQs page. If you have an outstanding question, feel free to call.
We're here to answer your questions:
Call us at 1-877-459-9801
Monday to Friday: 7 a.m. - 10 p.m. EST
Saturday and Sunday: 8 a.m. - 5 p.m. EST
To register for Account View:
Call us at 1-877-459-9801, select 'Account View' menu option
Monday to Friday: 8 a.m. - 6 p.m. EST
Saturday and Sunday: 9 a.m. - 1 p.m. EST
Already enrolled? You can also log in to Online Banking or Account View and email us:
FAQs - Program Administrators and Managers
Activation
How do I activate my cardholders?
Once you have ensured your cardholders have received their plastic, you may have them call 800-246-7459 from their work phone. Or you may activate their plastic using Account View. Choose the account, and select the tab Click Here to Activate Your Card.
Can we have multiple administrators?
Yes, as long as each of the administrators have been designated by the company as authorized to make changes.
Account Maintenance
What if I forget my user name or password?
If you have forgotten your user name and password, you must call Account View Online Banking Services at 877-459-9801, select Account View menu option and a new user name and password will be assigned for you.
If I close a cardholder?s account, can I later reopen the account and have them keep the same account/card number/card?
Once an account is closed, you must call Customer Service at 877-459-9801 for assistance to reopen it. In most cases, the cardholder will be able to keep the same account number and use the card again.
What is our credit limit?
The company credit limit will be assigned to your Control account. You have the option to manage the credit limit size of the accounts within your organization. These may be set at $100 increments up to the full company credit limit. This is a shared line so you can manage to each cardholder?s needs without extending your company beyond its assigned limit.
What do I do if one my cards is lost or stolen?
Report lost or stolen cards immediately by calling 877-459-9801.
How do I get our company logo on our cards?
Call your PNC sales representative to discuss options to help support your business.
How do I order more cards?
Call Customer Service at 877-459-9801 for new employee cards or to replace a damaged card. Additional cards can also be ordered via Account View by a program administrator.
What is the payment mailing address?
If you elect not to make your payment electronically, you can remit payment via check or money order to:
PNC
P.O. Box 856176
Louisville, KY 40285-6176
Your check or money order must contain your 16-digit account number to ensure proper credit to your account.
PNC
P.O. Box 856176
Louisville, KY 40285-6176
Your check or money order must contain your 16-digit account number to ensure proper credit to your account.
Setting Controls
How can I restrict our company's accounts to Travel & Entertainment, Fleet use, or Purchasing? And how can I limit cash access on a card?
Using Account View, go to Account Summary, simply choose the account(s) you would like to restrict, and click on Restrictions. To update, choose from the list of 18 restriction strategies from the dropdown list and click on the Submit button.
How do I provide or limit cash access to employees?
You set up cash access availability or limits on a cardholder account by using Account Summary/Restrictions (see above).
What is a Merchant Category Code (MCC) Restriction?
A universal MCC list categorizes every type of sales and service provider. These MCC codes have been grouped together ? into Travel, Purchasing, and Fleet ? so it?s as easy as the click of a mouse for you to choose a traditional set of providers and set cardholder level restrictions for those categories of transactions.
How do I cancel an account?
Select the account you would like to cancel, choose the Change Status link, and then choose Close status and click on Submit. The account will be closed so it will be unable to have authorizations or sales processed from that time forward.
You must contact Customer Service to re-open a closed account.
You must contact Customer Service to re-open a closed account.
Can I set up our account so that people in our purchasing department can share one card?
You may not share a card, since each plastic card must display the name of one individual who will be responsible for all the transactions on that card account number. However, you can obtain a card for the person responsible for placing your orders.
Reporting
How soon will online payments post to my account?
Payments submitted before 5 p.m. CT will be processed the same day and posted to your account the next business day (excluding weekends and holidays). You can see if the payment has posted by going into Account View and viewing Transaction History.
Rewards
How are my Cash Rebates calculated?
Cash Rebates are earned at a rate of 1% of merchandise transactions. Please refer to your Terms and Conditions for additional detail.
When are my Cash Rebates rewarded?
Your Rebate will appear automatically every calendar quarter (March, June, September, December), as a credit on that month?s statement
How do I enroll in PNC points?
Visit PNC points and click on Enroll.
How do I redeem our points?
You may redeem your points by going to the PNC points site, and clicking on the Log In or Enroll button.
How do I enroll in Travel Rewards?
If you requested Travel Rewards on your application, you are automatically enrolled. If you would like to make a change to your Reward selection or have any questions, please call Customer Service at 877-459-9801.
How do I redeem my Travel Rewards?
Please refer to the Terms & Conditions sent with your cards or call Customer Service at 877-459-9801 for information.
FAQs - Cardholders
Enrollment
What information do I need to enroll/to access my account information online?
Sign on to pnc.com/accountview and choose Enroll from the Account View link. To register the account number, cardholders will need;
- Validation Number from BusinessOptions card
- Last 4 digits of Social Security Number
- Work Phone
Please have your card available during your enrollment and go to the Account View screen.
Account Maintenance
How do I activate my BusinessOptions account?
Your card mailing included information about how to phone in any time, day or night, to activate your account by calling 800-246-7459. Please activate as soon as possible since that will allow you to begin using your new card.
When will our cardholders receive their cards?
Most of our customers receive their cards within 7-10 days of new account approval.
Who do I contact for help?
You may contact the designated Program Administrator within your company if you have questions about your account. Or call Customer Service at 877-459-9801.
If I lose my card or think it was stolen, should I call PNC Customer Service, or Visa?
Please call PNC Customer Service immediately at 877-459-9801 to report your card as lost or stolen.
Who do I contact with questions about Visa® Benefits?
Contact Visa directly at (800) VISA-911.
Account View
How do I log in to see my transaction activity and balance?
After you have enrolled at pnc.com/accountview, you may sign in at any time using the User ID and Password that you have chosen to view your account summary, transaction detail, and full monthly statements.
What if I entered my login and/or password wrong and I am locked out?
You will not be able to access Account View for 3 hours. After the full three hours, you may enter your correct login and password or re-enroll.
Where do I find my credit limit? My balance and available line?
- Your Credit Limit is displayed in the materials you received with your new card.
- It also appears along with your Balance and Available Credit in Account View and on your monthly statement
Rewards
How do I enroll in PNC points?
You may enroll by visiting the PNC points site.
How do I redeem my points?
You may redeem PNC points by going to the PNC points site, and clicking on the "Log In Or Enroll" button.
How do I enroll in Travel Rewards?
If your company requested Travel Rewards on your application, you are automatically enrolled. If you have any questions, please call Customer Service at 877-459-9801.
How do I redeem my Travel Rewards?
Please refer to the Terms and Conditions sent with your cards or call Customer Service at 877-459-9801 for information.
Important Legal Disclosures and Information
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See your Visa Signature Guide to Benefits for details. Certain restrictions and limitations apply. The cost for goods or services purchased through the Visa Concierge Services is the cardholder’s responsibility.
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Please visit www.visasavingsedge.com for complete details on the program, including the program terms and conditions.
PNC BusinessOptions is a registered mark of The PNC Financial Services Group, Inc.
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
See the PNC points Program Terms and Conditions for details. PNC Bank reserves the right to change or terminate the PNC points program at any time.
PNC points is a registered mark of The PNC Financial Services Group, Inc.
Excel is a registered mark of Microsoft Corporation.
Quicken® and Quickbooks® are registered trademarks of Intuit® Inc.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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