The PNC BusinessOptions Visa Signature Credit Card is a business rewards credit card that offers you a $750 statement credit bonus after you spend at least $25,000 in the first three months of the account opening.
BusinessOptions Visa Signature Credit Card gives companies plenty of options. First, you can choose whether you want to pay in full every month(charge card) or have revolving credit(traditional credit card). Next, you have the option to pick your rewards program, with the options of cash back, points, or miles.
There is an annual fee ranging from $0 to $500 depending on spending but it can be waived if the total of net purchases for the previous 12 billing cycles is $100,000 or greater.
This offer is available in select states such as: Alabama, Washington D.C., Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, North Carolina, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Virginia, Wisconsin, and West Virginia. So if you can, start earning rewards and pay off those business expenses with the PNC BusinessOptions® Visa Signature® Credit Card today!
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| American Express® Gold Card 60K Points* | Citi CustomSM Cash Card $200 Bonus* |
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| Chase Ink Business PreferredSM Card 100K Points* | Chase Ink Business UnlimitedSM Credit Card $750 Bonus* |
| U.S. Bank Altitude® Go Visa Signature® Card $200 Bonus* | Capital One Quicksilver Cash Rewards Card $200 Bonus* |
| Wells Fargo Platinum card 18 Months of 0% BT & Purchases | *Must make minimum spending requirement to earn bonus |
*View the latest PNC Bank Promotions here. Compare PNC offers to other bank promotions.*
Table of Contents
BusinessOptions Signature Credit Card Summary
| Bonus Available | Earn $750 in statement credit when you make at least $25,000 in purchases during the first three billing cycles following account opening. |
| Bonus Value | $750 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Choose from Cash Rebates, PNC points, or Travel Rewards |
| Foreign Transaction Fees? | No |
| Airport Lounge Access | No |
| Annual Fee | Saigon$0/$125/$250/$500, depending on how much you spend in the previous 12 billing cycles. |
(Click here to sign up at PNC)
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BusinessOptions Visa Card $750 Cash Bonus Offer
PNC BusinessOptions Visa Signature Card offers quite a nice bonus of $750 in statement credit. To qualify for this, you must spend at least $25,000 within the first three billing cycles upon account opening.
This sign-up bonus is valid for new cardmembers and is set to expire December 31, 2019. Here are some ideas on how to reach the spending requirement.
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
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BusinessOptions Card Choose Charge or Credit
BusinessOptions is available as a charge card or credit card. As a charge card, you will be required to pay your monthly balance by the due date. If you do not complete the full payment, you may risk account closure.
As a traditional credit card, BusinessOptions allows you to pay the balance over time. That being said, any amount that hasn't been paid by the due date will accrue interest.
Your BusinessOptions monthly statement limit is based on income and credit worthiness. The traditional credit card version can range up to $50,000, but the charge card can go as high as $250,000.
BusinessOptions Choose Your Rewards
PNC BusinessOptions Visa Signature Card allows for you to pick your choice of rewards, with options of cash rebates, PNC points, or travel rewards.
Within BusinessOptions card's cash back program, you have the option to pick between the charge card and credit card. Charge card members can earn unlimited 1% cash back on all spending, while Credit card holders can earn unlimited 1.5% cash back on all spending.
Rewards are automatically released as statement credit every quarter on March, June, September, and December statements.
The BusinessOptions card's points program offers an unlimited flat rate of 5 PNC points for every $1 spent on all purchase. These points can be redeemed for cash back, travel, gift cards, and merchandise.
With the BusinessOptions card's travel rewards program, you can earn 1 PNC mile for every $1 spent. There are no caps or restrictions. You can use your accumulated miles for statement credits and PNC account deposits.
BusinessOptions Card Annual Fee
| Annual Spending | Annual Fee |
| $0-$49,999.99 | $500 |
| $50,000-$74,999.99 | $250 |
| $75,000-$99,999.99 | $125 |
| More than $100,000 | $0 |
Additionally, there is no additional costs for employee card, regardless of how many you may need.
BusinessOptions Card Availability
The PNC BusinessOptions Visa Signature Credit Card is limited to PNC's network, which includes the following:
- Alabama
- Florida
- Indiana
- Michigan
- New York
- Pennsylvania
- West Virginia
- Delaware
- Georgia
- Illinois
- Missouri
- North Carolina
- South Carolina
- Wisconsin
- District of Columbia
- Kentucky
- Maryland
- New Jersey
- Ohio
- Virginia
Bottom Line
If you are a company looking for a card with the options of rewards and a nice sign up bonus, consider the PNC BusinessOptions Visa Signature® Credit Card as your company card! You might be interested in sign up bonus, benefits, and multiple rewards.
Keep in mind that there is an annual fee ranging from $0 to $500 depending on your spending. If this is something that you would be interested in and you would like more from PNC Bank, see our list of the Best PNC Bank Promotions! For more credit cards, see our latest list of the best credit card bonuses!
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.
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