Visa Signature®
BusinessOptions

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.

Apply for your card

Talk to your PNC banker, or call:


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Send us your email and phone number and we'll contact you.


Earn a $400 statement credit to your new BusinessOptions credit card account.[1]

To qualify for this offer: Apply for your new card by June 30, 2017, and make at least $15,000 in qualifying purchases[2], using your new Visa Signature BusinessOptions credit card account, during the first three billing cycles following account opening.

Learn about BusinessOptions reward programs »
Contact Us to Apply »

See Offer Details
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 a BusinessOptions credit card.

  • Choose a pay-in-full option with a spending limit up to $250,000 or a revolve option with a spending 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 Disclosure

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
$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 Visa Signature PNC BusinessOptions Credit Card Agreement for details.

Choose Your Rewards Program

Choose one of three rewards programs.

There is no cap on the amount of rewards you can earn and no reward program fees.

Cash Rebates


PNC points®

  • Earn 5 points for every $1 of qualifying purchases.
  • Rewards include merchandise, gift cards, travel or statement credits.
  • Aggregate rewards for the company 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

Rates and Fees

BusinessOptions Rates & Fees

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:
Annual Total of Net Purchases:
$0 - $49,999.99
$50,000 - $74,999.99
$75,000 - $99,999.99
≥ $100,000
Annual Fee:
$500
$250
$125
$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.

Card Issuance Fee None
Purchase APR
Revolve:
11.74% - 17.74% Variable APR**
This APR will vary with the market based on prime rate.
Pay in Full:
Payment in full required each month.
Cash Advance APR
22.74%**
This APR will vary with the market based on prime rate.
Default APR 29.74%**
This APR will vary with the market based on prime rate.
Balance Transfers Either $5 or 3% of the amount of each balance transfer, whichever is greater
Cash Advances Either $10 or 4% of the amount of each cash advance, whichever is greater; $75 maximum
Late Payment Fee Revolve: Up to $49
Pay in Full: $39
Over Credit Limit Fee Revolve: $39
Pay in Full: $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.

How to Apply

Ways to Apply

  • Contact your banker
  • Call 1-866-874-3675 (Mon - Fri, 8am to 5pm ET)
  • Complete our Contact Form, and we'll contact you to talk more about how this credit card can help your business.

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Account View

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Online Services for Business

Take control of your business finances - online. PNC.com is your business connection to anytime online banking and bill payment, self-service account management, payroll services, tax payments and more.

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Important Legal Disclosures and Information

  1. Subject to credit approval. Business credit card application must be received between January 1, 2017 and January 31, 2018. Offer limited to one $400 statement credit per PNC BusinessOptions Visa credit card. New accounts only; not valid for existing PNC BusinessOptions Visa credit card account holders. The $400 statement credit, if earned, will be forfeited if the account is closed before the credit is awarded. The credit will appear on your credit card account statement within 90 days of making $15,000 in qualifying purchases within the first 3 billing cycles after account opening. May not be combined with any other PNC BusinessOptions Visa credit card offer.

  2. The terms "qualifying purchases" and "eligible net purchases" do not mean all transactions made using the credit card. Transactions resulting from balance transfers, cash advances, wire transfers, fees charged by PNC (for example, annual fees, finance charges and related service charges, if any), and lottery, betting or gambling transactions are not included.   

  3. To receive relationship benefits, the checking account must be set up as the billing account for the respective service. See your banker for details.

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 service 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.

Equal Opportunity Lender