Business Credit Card Consolidated Billing  

Manage your finances easier with one clear view and one quick payment for all of your PNC business credit cards when using PNC Account View or PNC Online Banking.

A Unique Account Management Structure

Our business credit card accounts are structured differently to give business owners more control and a more efficient way to manage their account.


Understanding the Control Account and Sub-Account(s)

The Control Account

Your Control Account is a unique master account number that allows you to view and manage every credit card issued under your business.

  • Your account number appears at the top of each statement.
  • No credit card is issued for your Control Account.
  • All payments are applied to the Control Account.
  • This number is used for identification purposes.


The Sub-Account(s)

Sub-Account(s) are created for each individual cardholder in your business. Each account corresponds with that individual’s credit card number.

  • Each Sub-Account’s transactions are subtotaled on your billing statement.
  • The balance for each Sub-Account is zero at the start of every billing cycle.
  • Individual credit limits can be allocated to each Sub-Account.

Why It Matters

Consolidated Billing doesn’t just make it easier to pay bills. It also gives you valuable insight into your company’s spending and greater control over who’s doing it — so you can run a tighter ship and keep your operation running efficiently.

As a Program Administrator, you are an authorized individual who manages business credit card account(s) on behalf of your company. You are assigned a username and password and will have the ability to view all business credit card accounts and activities.

Authorized functions of a Program Administrator include:

  • Increase and decrease cardholder spending limits
  • Enable and disable card cash advance access
  • Report cards lost/stolen and request cards be issued or closed
  • File disputes on account(s) transactions

A written request is required to establish a Program Administrator. To get started, contact our card services center using the phone numbers provided on this page. 

Frequently Asked Questions

Have Questions? We're Here to Help.

Representatives are available 7am to 10pm ET, Monday through Friday and 8am to 5pm ET weekends.

Business Credit Card Services:

BusinessOptions® Credit Card Services:

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Important Legal Disclosures & Information

Banking products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

BBVA is a registered trademark of BBVA, S.A. and is used under license.

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