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PNC BusinessOptions® Visa Signature® 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.
Let's Talk
Want to know more? Give us a call.
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 and Benefits
Take Advantage of Many Account Features
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 fees for individual cards
- 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
- Optional: 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 and can be waived if the total of net purchases for the previous 12 billing cycles is $100,000 or greater.
| Annual Total of Net Purchases | Annual Fee |
| $0 - $49,999.99 | $500 |
| $50,000 - $74,999.99 | $250 |
| $75,000 - $99,999.99 | $125 |
| ≥ $100,000 | $0 |
The term "net purchases" means the total amount of signature-based purchases, Internet purchases, phone or mail order purchases, or automatic bill payments made with a card, which are processed or submitted through Visa, less returns, credits and chargebacks. Certain exclusions apply. Please see the PNC BusinessOptions Visa Signature Credit Card Agreement for details.
Choose Your Own Rewards Program
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.[2]
- 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.[2]
- 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 »
Control Company Expenses
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 and 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 & 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 and 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
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 and 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
- 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.
** Zero Liability Fraud Protection does not apply to ATM transactions or PIN transactions not processed by Visa, and certain commercial card transactions. Notify PNC Bank immediately of any fraudulent use. For specific restrictions, limitations and other details regarding unauthorized use, see your business credit card 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 and Fees
BusinessOptions Rates & Fees
**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
Ways to Apply
- Apply Online
- Contact your banker
- Call 1-866-874-3675 (Mon – Fri, 8 a.m. to 5 p.m. ET)
We Also Recommend
Important Legal Disclosures and Information
Visa Signature is a registered trademark of Visa International Service Association and used under license.
Excel is a registered mark of Microsoft Corporation.
QuickBooks® and Quicken® are registered marks of Intuit, Inc.
PNC BusinessOptions is a registered mark of The PNC Financial Services Group, Inc.
PNC points is a registered mark of The PNC Financial Services Group, Inc.
Cash Flow Insight is a service mark of The PNC Financial Services Group, Inc.
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