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]

I found a working link: https://www.pnc.com/en/small-business/borrowing/business-credit-cards/pnc-businessoptions-visa-signature-credit-card.html

I have the PNC Visa® Business Credit Card and can confirm that it does not post to credit report. I doubt thie Business Options will either

No, FICO reports that they do not report to credit reports.

I can confirm that the PNC Visa Business Credit Card does not report on personal. I don’t see why the Flex Options would

Same, I’d totally get this if I could just MS most/all of it.

They seem super sensitive to MS. No T&C against gift cards, but I have had to call in every time I tried, often for 15 minutes of “verification”. If this keeps up, I will ditch my efforts.

Or do both? Get 3-4k worth of sign up bonuses and this PNC sign up bonus.

Plenty of people are not limited by MSR but by available SUBs.

Hard to do when you’ve already got close to 30. I’m scraping the bottom of the barrel.

Look above

Look above

It is treated as a reduction in purchase price (of the underlying $25,000 purchases.) This shouldn’t be something that triggers a 1099, but you are responsible to record this to your business if you used the card for legit business spending.

– If you used the card only for personal purchases then there’s a pretty strong argument that there is no tax consequences since it is treated as a purchase discount and not as income.

He means if you were to put the $25k in spend on a normal 2% cashback card, you would normally earn $125. By choosing instead to put the spend on this PNC card opportunity, you won’t earn the $125 normal earnings on a 2% card. So the cost to do this opportunity is $125, but since you are getting $1,125 from PNC instead, you are ahead of the game…and by a lot.

The $125 opportunity cost he’s referring to is the difference in cash back on the spend of this card (1.5%, or $375 on $25k in purchases) vs a 2% card ($500 on $25k in purchases). I’d probably state it as a $500 opportunity cost, and compare it to the $1125 earnings on the initial $25k spend on this card.

Major hassle.

Yes. All of the above and then several follow up visits to get “just one more” signature. Over 1 month from app and still no physical card. Apparently I am approved however. By far the biggest hassle of any card I ever applied for.