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Credit Needed
Excellent

PNC Bank Visa Signature® BusinessOptions℠ Card Review

Top Features

Cashback on Gas
1% - 1.50%
Cashback on groceries
1% - 1.50%
Cashback on other
1% - 1.50%
Annual Fee
Annual Fee: Up to $500 (beginning with the 13th billing cycle after Account opening). The amount of the annual fee is based on the annual total of net purchases made on the Account for the previous 12 billing cycles.

This card compared to other cash back cards

Card Name
PNC Bank Visa Signature® BusinessOptions℠ Card
Cashback on Gas
1% - 1.50%
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1% - 1.50%
1-5%
Unlimited 1.5% cash back
Cashback on other
1% - 1.50%
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
N/A
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
11.49% - 17.49% (Variable) 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

PNC Bank Visa Signature® BusinessOptions℠ Card details

Balance Transfer Intro APR:
Unknown
Balance Transfer Intro Period:
Unknown
Purchase Intro:
APR:
N/A
Purchase APR:
11.49% - 17.49% (Variable)
Annual Fee:
Annual Fee: Up to $500 (beginning with the 13th billing cycle after Account opening). The amount of the annual fee is based on the annual total of net purchases made on the Account for the previous 12 billing cycles.
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 
 Prime
Margin:
 7.74% - 13.74%
 Unknown
 18.74%
APR:
  11.49% - 17.49% (Variable)
 Unknown
 22.49% (Variable)
APR Floor:
 N/A
 Unknown
 N/A
Intro Rate:
 N/A
 Unknown
 N/A
Intro Period:
 N/A
 Unknown
 N/A


Finance Calculation Method:
 Unknown
Default/Penalty APR:
 29.49% (Variable)
Default/Penalty Margin:
 25.74%
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 Unknown

Credit Card Fee Information:


Annual Fee:
 Annual Fee: Up to $500 (beginning with the 13th billing cycle after Account opening). The amount of the annual fee is based on the annual total of net purchases made on the Account for the previous 12 billing cycles.
Foreign Transaction Fee:
 None
Late Fee:
 Revolve: Up to $49. Pay in Full: $39.
Over-the-limit Fee:
 Revolve: $39. Pay in Full: $69.
Balance Transfer Fee:
Either $5 or 3% of the amount of each balance transfer, whichever is greater  


Notes:

Rebate Description:
 Three Reward Program Choices: (1) PNC points®: merchandise, travel, gift cards and more; (2) Travel Rewards: any airline, no blackout dates, hotel stays, and rental cars; or (3) Cash Rebates: reinvest your savings back into your business.
Special Notes:
 Companies with annual credit card spend of $100,000 or more can benefit from the BusinessOptions Card. Choose a pay-in-full option with a spending limit up to $250,000 or a revolve option with a spending limit up to $50,000. Returned Payment Fee: $35. Custom Logo: $350.
Credit Card More Information:

Card Issued By:
 PNC Bank, National Association
General Correspondence Address:

Card Type:
 Visa
Card Class:
 Signature
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good