PNC BusinessOptions® Visa Signature® Credit Card
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The PNC BusinessOptions® Visa Signature® Credit Card is a business credit card designed for small business owners with a variety of needs. What’s unique about this card is that you can choose to pay in full every month with a credit limit of $250,000 or choose a revolving credit account with a credit limit of up to $50,000. You can also choose how you receive your rewards: points, miles, or cash back. Other features include adding your company logo to your card and the ability to monitor employee spending.
As of right now, PNC can not take applications online. If you’re interested, you can fill out the online form and someone will contact you within one to two business days. We dive into the details and your approval odds in this PNC BusinessOptions review.
Our Rating
4.0/5.0
Welcome Offer
Earn a $750 Statement Credit
Annual Fee
$0
0% on Purchases
N/a
Reward Rate
1% – 1.5% cash back, or 5x points, or 1x miles
0% on Balance Transfers
N/a
Welcome Offer
Earn a $750 Statement Credit when you make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, PayPal |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 16.24% – 22.24% Variable (V) APR |
Insurance
Extended Warranty
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.
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.
Purchase 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.
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.
What Credit Score Is Required to Get the PNC BusinessOptions® Visa Signature® Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 750
Average Approved Credit Score: 783
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 09/09/2022 | Not Provided | ||
| Approved | 09/09/2022 | Equifax |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Choose your own rewards program
- Requires good credit
What Are the Best Alternatives?
Capital One Spark Cash Select for Excellent Credit
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee