PNC BusinessOptions Credit Card $750 Sign Up Bonus [AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV]

Update 1/5/22: Extended through June 30, 2022.

Update 10/4/21: Extended through December 31, 2021

Update 7/6/20: Extended through September 30, 2021

Update 1/2/20: Extended through June 30, 2021.

The Offer

Direct link to offer

  • The PNC BusinesOptions Credit card is offering a bonus of $750 in the form of statement credit when you spend $25,000 or more in qualifying purchases during the first three billing cycles

 

The Fine Print/Card Details

  • Offer is valid until December 31st, 2019
  • Annual fee varies on spend, first annual fee is due in the 13th billing cycle after account opening (e.g it’s waived first year) and as follows with annual spend of:
    • $0-$49,999.99: $500 annual fee
    • $50,000-$74,999.99: $250
    • $75,000-$99,999.99: $125
    • Greater than $100,000: $0
  • Choose one of three rewards programs:
    • Cash back:
      • 1.5% when you choose a revolving card (e.g normal credit card)
      • 1% when you choose a pay in full card (e.g charge card)
    • PNC points: 5x points per $1 spent (points are worthless)
    • Travel Rewards: 1x mile per $1 spent:
      • 25,000 miles = air ticket worth up to $315, then you must redeem in increments of 5,000 miles = $50

Our Verdict

Sign up bonus was previously $400 for $15,000 in spend. Most people will choose the revolving card that earns 1.5% cash back, if you spend $25,000 total you’d earn $1,125 ($750 from the bonus and $375 from the spend itself) for a total of 4.5% cash back. The opportunity cost when compared to a 2% cash back card is $125. Very appealing deal for people that spend large amounts of money and value cash sign up bonuses. I will be adding this to our list of the best business credit card sign up bonuses.

Post history:

  • Update 7/13/20: Extended through December 31st, 2020
  • Update 4/4/20: Deal has been extended until June 30th, 2020.
  • Update 1/3/20: Deal has been extended until March 31st 2020

Hat tip to reader Eddie S

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82 Comments
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K
K (@guest_1699413)
September 21, 2023 16:37

No AF now right?

Raj
Raj (@guest_1421676)
August 8, 2022 12:34

The offer is still up, not sure when it expires now.

LG
LG (@guest_1385327)
May 25, 2022 16:01

What are they qualifying purchases? It’s unclear what they allow. My Discover card code a payment as Government services and it earn points. I’d like to make that same payment with PNC to earn the bonus cash back but will it count as an acceptable purchase?

Bertrand
Bertrand (@guest_1123804)
January 7, 2021 16:33

Word of warning: bank account fundings do NOT count towards meeting minimum spend for PNC credit cards. Last year I opened another PNC biz card, Business Cash Rewards, and tried to meet a good chunk of the $3k min spend with an account funding (BBVA, I believe). The funding went through as a purchase, however, I never received my bonus and when I inquired they said it was because the funding didn’t count and I therefore failed to meet the min spend. If I had been paying close attention I would have realized this, as the funding ended up not earning any points, but in addition I believe they pointed to specific language in their terms which excluded it as a qualifying purchase. I know the Business Options card has a really high min spend and bank account funding would be a good way to help meet it, but unfortunately it’s a no-go.

Brian G.
Brian G. (@guest_1120722)
January 2, 2021 19:26

That AF after the first year is high ($500). Also, I love this feature: “Optional: Add your company logo to cards for just $350” lol

Abey
Abey (@guest_1120715)
January 2, 2021 19:14

I don’t like Credit Cards that I cant apply online and have to call up to apply.
Don’t like unexpected questions…

b
b (@guest_1105053)
December 8, 2020 12:10

Will the footprint get extended to CO once the BBVA purchase is completed?

jpv
jpv (@guest_1041980)
August 24, 2020 01:00

YMMV, but the direct link goes straight to a “404 Error
The requested content could not be found” message for me.

Avi
Avi (@guest_1050197)
September 7, 2020 19:01
ChurnForTheBurn
ChurnForTheBurn (@guest_1002601)
June 23, 2020 11:46

Had money in two PNC checking accounts (1 personal and 1 business). Applied for this and rejected.

PNC stated specifically that they have a limited appetite for lending to businesses in the sector that I stated my business was in – electronics retail sales. So don’t put this down as your business’s area.

Alex
Alex (@guest_968449)
April 30, 2020 16:25

Applied end of March. Finally denied a month later.

vivian
vivian (@guest_971380)
May 4, 2020 11:38

did they tell you why ?