PNC Business
Options®
Visa Signature®
Credit Card
PNC BusinessOptions®
Visa Signature®
Credit Card
Businesses with a need for greater spending power.
Earn an $800 Statement Credit[1]
To qualify for this offer: Make at least $15,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
Overview
Businesses with a need for greater spending power 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
- Take Advantage of Many Account Features
- Choose Your Own Rewards Program
- Control Company Expenses
- Travel Benefits
- Security
Businesses with a need for greater spending power 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 eligible net purchases.*
*See 1.5% Cash Rebate Program Terms and Conditions details
- Pay-In-Full Option – 1% cash back on eligible net purchases.**
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.
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.
Use Account View 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.
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 Protection***
- 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 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.
Rates & Fees
| Rate Type | Rate |
| Purchase APR |
Revolve: Pay-in-Full: |
| Balance Transfer APR | Revolve: Pay-in-Full: |
| Cash Advance APR |
29.24% Variable APR** This APR will vary with the market based on prime rate. |
| Penalty APR | 33.24% Variable APR** This APR will vary with the market based on prime rate. |
| Fee Type | Fee |
| Annual Fee | None |
| Balance Transfer Fee (Revolve Only) | Either $5 or 5% 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 |
**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.