PNC BusinessOptions® Visa Signature® Credit Card

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.

PNC BusinessOptions Visa Signature Credit Card

Our Rating

4.0/5.0

Welcome Offer

Earn a $750 Statement Credit

Annual Fee

$0

0% Intro on Purchases

N/a

Reward Rate

1% – 1.5% cash back, or 5x points, or 1x miles

0% Intro 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.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, PayPal
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance

Rewards

1% cash back
All eligible purchases
Pay-in-full option earns 1% cash back on all eligible purchases
1x miles
All eligible purchases
Miles option earns 1 mile for every $1 spent on eligible purchases
1.5% cash back
All eligible purchases
Revolve option earns 1.5% cash back on all eligible purchases
5x points
All eligible purchases
Points option earns 5 points for every $1 of qualifying purchases

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR16.24% – 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 StatusDateCredit ScoreBureauCredit Limit
Approved09/09/2022
750
Not Provided
$25,000
Approved09/09/2022
815
Equifax
$25,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Choose your own rewards program
Cons
  • Requires good credit

What Are the Best Alternatives?

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.6

Rewards Range

1.5%

Annual Fee

$0

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

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