PNC Business
Options®
Visa Signature®
Credit Card

PNC BusinessOptions®
Visa Signature®
Credit Card

Businesses with annual credit card spend of $50,000 or more.

Earn a $750 Statement Credit[1]

To qualify for this offer: Make 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.

Overview

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.

Key Features

Control

Online reporting and spending controls to support expense management.

Choose Your Rewards

You have three options for rewards,
with no reward program fees.

Visa Signature® Benefits

Provides travel benefits and protection for purchases.

Features & Benefits

Companies with annual credit card spend of $50,000 or more can benefit from using a PNC BusinessOptions Visa credit card.

  • Choose a pay-in-full option with a credit limit up to $250,000 or a revolve option with a credit limit up to $50,000
  • Choice of 3 rewards programs    
  • No annual fee
  • Ability to limit individual employee spending by merchant or purchase category
  • No fees for purchase transactions made outside the United States
  • Online access to view transactions and generate reports
  • Expense allocation features provided by the Advanced Reporting Tool
  • Contactless Technology: Pay for everyday purchases faster and with greater convenience than ever before Learn More About Contactless Technology
  • Optional: Add your company logo to cards for just $350

No Cap to the Amount of Rewards You Can Earn. No Reward Program Fees.

Choose one of three rewards programs for your PNC BusinessOptions Visa credit card account.

Cash Rebates

  • Rebates automatically credited quarterly to your card statement.
  • No category restrictions for earning cash rebates.
  • Revolve Option – 1.5% cash back on net purchases.*

*See 1.5% Cash Rebate Program Terms and Conditions for details

  • Pay-In-Full Option – 1% cash back on net purchases.**

**See 1.0% Cash Rebate Program Terms and Conditions for details

PNC points®

  • Earn 5 points for every $1 of qualifying purchases.
  • Rewards include merchandise, gift cards, travel or statement credits.
  • Aggregate rewards for the business or leverage points for employee recognition at the individual level.

See PNC points Program Terms and Conditions for details

Travel Rewards

  • Earn 1 mile for every $1 in eligible net purchases.
  • Conveniently book travel, then redeem miles for a statement credit.
  • Aggregate miles at the company level or allow employees to earn and use miles for their own travel.
  • No fees for purchase transactions made outside the United States.

See Travel Rewards Program Terms and Conditions for details

Use Either Account View or Advanced Reporting Tool to Stay Close to Employee Activity

  • Your Program Administrator can activate, deactivate and change card settings in real time.
  • Set or change employee card spending limits for purchases and cash access.
  • Limit individual card transactions by merchant and purchase category type.

Limit Purchases & Spending

  • View pending charges for individual cards and change card spending limits in real-time as needed.
  • Set up recurring and same-day payments.

Enjoy Real-Time Oversight

  • Provide real-time access to online statements and posted transactions for your finance, accounting and sales teams.
  • Build up to 13 months of stored statements and 7 years of transaction history for convenient research.
  • Track spending against budgets when you download transactions into Excel®, Quicken® or Quickbooks® or use .csv file format to import into other accounting software.

Enroll in Advanced Reporting Tool to Allocate & Analyze Expenses

  • Assign unique cost allocation fields to transactions for internal accounting and analysis.
  • Create ad hoc inquiries for viewing company purchase, or choose to use pre-formatted spending reports by vendor type to help your company negotiate volume pricing.

View your PNC Business Credit Card Spending by Business Category

When you enroll in Cash Flow Insight our Spend Analysis tool will automatically assign business categories to your posted PNC business credit card transactions. This will help you:

  • Monitor where you and your employees are spending.
  • Plan and budget for future business needs.

Travel Benefits

  • Worldwide acceptance simplifies Travel & Expense reporting for travelers.
  • Visa travel protection services and concierge support provide assistance in emergencies.

Visa Signature Travel Benefits*

  • Auto Rental Collision Damage Waiver
  • Roadside Dispatch®
  • Lost / Stolen Card Reporting
  • Purchase Security and Extended Protection
  • Lost Luggage Reimbursement
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services
  • Visa Signature Concierge

*Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature card to secure transactions. The costs for goods or services purchased through Visa Concierge Services are the cardholder’s responsibility. Complete terms for these programs are provided with your new Visa Signature business card; please refer to your Visa Signature Guide to Benefits for details.

Security

  • Security features are built into every card at no extra cost.
  • Reduced concern about fraud and misuse makes it easier to issue cards to more employees.

Zero Liability Fraud Protection**

  • If your Visa Business card is ever lost or stolen, your company is protected against fraudulent use of the card, including transactions made via telephone or on the Internet.

Purchase Security and Extended Warranty***

  • In the event of theft or damage to an item purchased, Visa will replace, repair or reimburse up to $10,000 per claim and $50,000 per cardholder for 90 days from the date of purchase.
  • Extended Warranty Protection lengthens the time period of the manufacturer’s written U.S. repair warranty up to one full year on warranties of three years or less.

**Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.

***Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature credit card to secure transactions. For details see the Visa Signature Guide to Benefits.

Rates & Fees

Rate Type Rate
Purchase APR

Revolve:
16.24% – 22.24% Variable APR**
This APR will vary with the market based on prime rate.

Pay-in-Full:
24.24% Variable APR** 
Payment in full required each month. This APR will vary with the market based on prime rate.

Balance Transfer APR

Revolve:
16.24% – 22.24% Variable APR**
This APR will vary with the market based on prime rate.

Pay-in-Full:
Payment in full required each month. Balance transfers are unavailable.

Cash Advance APR
27.24% Variable APR**
This APR will vary with the market based on prime rate.
Penalty APR 34.24% Variable APR**
This APR will vary with the market based on prime rate.
Fee Type Fee
Annual Fee None
Balance Transfer Fee Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee Either $10 or 4% of the amount of each cash advance, whichever is greater; $75 maximum.
Late Payment Fee Up to $49
Over Credit Limit Fee Revolve: $49
Pay-in-Full: $69
Return Check Fee $35
Foreign Transaction Fee None
Custom Logo Fee (optional) $350
Card Issuance Fee None

**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.

How to Apply

Thank you for your interest in PNC. At this time we are not able to take your application online.

Call us at 1-855-762-2365 between 8:30 a.m. and 8:00 p.m. Monday through Friday ET, to talk with a PNC Business Banking representative OR complete the contact form below and a PNC Business Banking representative will contact you within 1 to 2 business days.