The PNC BusinessOptions Visa Signature Credit Card has an introductory offer of: $750 bonus cash when there’s a minimum of $25,000 spent within the first 3 billing cycles. Even though it looks like it’s a great bonus, you will have to spend a decent amount of money to be able to qualify. The Business Platinum Card from American Express has an introductory bonus offer with similar spending qualifications. See our list for more business credit card offers.
For BusinessOptions this will give the companies lots of different options. You have to decide if you want to pay full price every month (on card), or have a revolving credit (on your traditional credit card). Then you would have to choose a rewards program such as: cash back, points, or miles.
The annual cost of the card all depends on how much you choose to use it.Catered towards people who spend a decent amount of money, the companies who charge more than $100,000 every year will not have to pay an annual fee.
If you are interested, then keep reading for a better description of this intriguing business card.
BusinessOption Card Quick Facts
| Bonus Available | Gain a $750 statement credit when you make a minimum of $25,000 in purchases during the first 3 billing cycles of your account opening. Offer valid until December 31, 2019. |
| Bonus Value | $750 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Choose from Cash Rebates, PNC points or Travel Rewards (more on these 3 programs later). |
| Foreign Transaction Fees? | No |
| Airport Lounge Access | No |
| Annual Fee | $0/$125/$250/$500, depending on how much you spent in the previous 12 billing cycles. |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested see our list of other credit card offers for Checking & Savings accounts.*
Pros
- Welcome bonus
- Choice of rewards program
- Free employee cards
- No foreign transaction fees
Cons
- Potentially high annual fee
- Good-Excellent credit needed to qualify
- No value-added perks
- Designed for big spenders
- Limited availability
Editor’s Alternate Pick
 The Business Platinum Card® from American Express has a welcome offer of 250,000 Membership Rewards points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. You'll earn: • 5X Membership Rewards Points on Flights, and Prepaid Hotels Booked through AmexTravel.com. • 1X points on other eligible purchases. • 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals. • $199 CLEAR Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR Plus Membership (subject to auto-renewal) when you use the Business Platinum Card. • NEW! Make the Business Platinum Card work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required. This card does come with a $695 annual fee. (See Rates & Fees) Terms Apply. |
BusinessOptions Card $750 Bonus Cash Offer
Make use of the BusinessOptions card’s big introductory offer of: a $750 statement credit. You must charge a minimum of $25,000 in purchases in the first three billing cycles of opening your account to be able to qualify. That would be worth about $8,333 each billing cycle.
This sign-up bonus is here for all new cardmembers who apply by December 31, 2019.
Here are some ideas on meeting the spending requirement:
BusinessOptions Card Choose Charge or Credit
BusinessOptions can be charged as credit card or a normal charge card. If you use a charge card then you will have to pay the monthly balance fees by the due date. If you chose not to do this, then there is a risk of having your account closed. This option is mostly for people to avoid spending too much money and having a balance.
As a traditional credit card, BusinessOptions will allow you to pay your balances over time. If you have anything that isn’t settled by your statement date then you will have to secure interest. Doing this will be one of the better things to do if you want to invest in huge purchases.
Your BusinessOptions spending limit is based on how good or bad your income and credit is. Their credit card can go up to $50,000 and the charge card will offer you a maximum of $250,000 for the card limit.
BusinessOptions Card Choose Your Rewards
BusinessOptions allows you to decide which rewards program you want to have out of: cash rebates, PNC points or travel rewards. Compared to other business cards, they normally have one offer to give you with no room to customize the rewards system.
In the BusinessOptions card’s cash back system, there are 2 different options: charge card or credit card. Charge cardmembers earn unlimited 1% cash back for all of your spendings, meanwhile credit cardholders can earn an unlimited 1.5% rate.
Both of the rewards that are offered immediately shows up on your account as statement credit each quarter on your March, June, September and December statements.
There are people who would prefer to do this simple immediate redemption process, but you won’t have to wait every 3 months to get your cash back. If you don’t want to do that then you should think about getting the Chase Ink Business Cash. They will allow you to cash in your rewards each month.
The BusinessOptions card’s points program gives you an unlimited flat rate of 5 PNC points for each $1 used for all purchases. You can use your points towards: cash back, travel, gift cards and merchandise.
Remember that every PNC point is usually worth about $0.002 and it can change depending on how you chose to redeem your points. If you want to receive a great value then you should consider using them for any cash back or travel options.
Using the BusinessOptions card’s travel rewards program, you gain 1 PNC mile for each $1 used. There aren’t any caps or restrictions placed on this card. Your miles can be put towards statement credits and PNC account deposits. A great way to use your miles is if you use them for statement credits or flights, this will give every mile you have a $0.0126 value worth.
BuisnessOptions Card Annual Fee
The BusinessOptions card’s annual fee varies from $0-$500 and changes looking at how your spending was the year before. Then your annual fee will be waived for the first 12 months of having the BusinessOptions card.
| 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 |
There will not be any extra cost for extra employee cards no matter how many you need to have.Compared to other different business cards, they can charge up to $50 to $100 a year for every employee cardmember.
BusinessOptions Card Availability
This BusinessOptions card is only available in the PNC networks which are:
- Alabama
- Delaware
- District of Columbia
- Florida
- Georgia
- Kentucky
- Indiana
- Virginia
- West Virginia
- Wisconsin
- Illinois
- Maryland
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
If your company is located out of these places then you should look into different credit cards.
Bottom Line
PNC BusinessOptions gives you lots of opportunity to customize annual fees (to a certain amount), and which credit and rewards to receive. It has their pros and cons with these options given.
The varying annual fee is an amazing deal if you charge a minimum of $100,000 to your card the year before. Then people who don’t spend so much money will see that the benefits that are given to you isn’t really worth the cost of the card.
As a charge card, BusinessOptions has a large $250,000 credit limit, you won’t need to worry about paying your balance completely on time. The other card that’s offers, has a smaller credit limit of $50,000.
Now, the rewards system that’s used for this card does offer an intriguing deal. However, there are other varieties of cards that have similar qualifies with easier rewards programs for a low price.
(Visit BusinessOptions for more information)
What’s the Competition?
There are some of BusinessOptions card’s top competitors listed below.
 The Ink Business Preferred® Credit Card offers 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase TravelSM. 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 TravelSM. 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 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Delta SkyMiles Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. You'll earn: • 3X miles At Delta Per every eligible dollar spent on purchases made directly with Delta and hotels. • 1.5X miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more on up to a total of $100,000 purchase categories per calendar year per Card Account. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. • 1X mile on every eligible dollar spent on other purchases. Earn up to $10 back each month after using your enrolled Delta SkyMiles Platinum Business American Express Card for U.S. rideshare purchases with select providers. Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Receive a fee credit for TSA PreCheck or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge. Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. This card does carry a $350 annual fee. (See Rates & Fees). Terms and limitations apply. |
 The Capital One Spark Cash offers a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening. You're able to earn an unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Free employee cards, which also earn unlimited 2% cash back on all purchases Rewards won't expire for the life of the account, and you can redeem your cash back for any amount This card does come with no foreign transaction fees and $0 annual fee for the first year; $95 after that. |
