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!
Table of Contents
- 1 BusinessOptions Signature Credit Card Summary
- 2 Editor’s Alternate Pick
- 3 BusinessOptions Visa Card $750 Cash Bonus Offer
- 4 BusinessOptions Card Choose Charge or Credit
- 5 BusinessOptions Choose Your Rewards
- 6 BusinessOptions Card Annual Fee
- 7 BusinessOptions Card Availability
- 8 Bottom Line
- 9 What’s The Competition?
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.|
|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.|
- Welcome Bonus
- Choice of Rewards Program
- Free Employee Cards
- No foreign transaction fees
- Good-Excellent credit needed to qualify
- Potentially high annual fee
- No added-value perks
- Designed for big spenders
- Limited availability
Editor’s Alternate Pick
The The Business Platinum Card® from American Express has a welcome offer of 100,000 Membership Rewards points after you spend $15,000 on eligible purchases within the first 3 months of Card Membership.
You'll also earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. In addition, you'll get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
If you use your Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, you can get 35% of the points back, up to 500,000 bonus points per calendar year.
PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
This card does come with a $595 annual fee. (See Rates & Fees) Now, you can earn up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
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.
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|
|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:
- New York
- West Virginia
- North Carolina
- South Carolina
- District of Columbia
- New Jersey
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!
(Click here to sign up at PNC)
What’s The Competition?
Below are some of the top competitors of the PNC BusinessOptions Visa Signature Credit Card that you should consider.
The Chase Ink Business Preferred Card offers 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
You'll earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year; 1 point per $1 on all other purchases - with no limit to the amount you can earn. Furthermore, points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.
This card does come with a $95 annual fee but does not have any foreign transaction fees.
The Delta SkyMiles® Platinum Business American Express Card offers 60,000 bonus miles, 5,000 Medallion Qualification Miles (MQMs), and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months.
You'll earn 3X miles on every dollar spend on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels; 1.5X miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per year; & 1X mile on every eligible dollar spent on other purchases.
This card does carry a $250 annual fee. (See Rates & Fees).
The Capital One Spark Cash for Business offers a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
You're able to earn an unlimited 2% cash back could mean thousands of dollars each year going back into your business. Use Spark Cash across all your business spend, with no categories to limit your purchasing.
This card does come with a $95 annual fee, however, there is a $0 intro annual fee for the first year.
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.