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PNC Credit Cards

We found 9 PNC credit cards. Read on to get more insights.

PNC
4.44
By Hanna Volkava
Updated November 01, 2024
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PNC Cash Rewards® Visa® best for Gas

PNC Cash Rewards® Visa®

PNC Cash Rewards® Visa®
Annual fee:
$0
Regular APR:
19.24% - 30.24% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases).
    • 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases).
    • 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases).
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.
  • Balance Transfer APR:
    19.24% - 30.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Cash Rewards® Visa® Credit Card earns a $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles. The Card offers 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases), 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases), 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases), 1% Cash Back on all other purchases.

    The PNC Cash Rewards® Visa® doesn't charge an annual fee. The Card has a 0% introductory APR on balance transfers only for the first 12 billing cycles following account opening when balances are transferred within the first 90 days following account opening. After that, your APR will be 19.24% to 30.24% (based on creditworthiness).

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Bonus (after you make $1,000 or more in purchases during the first 3 billing cycles);
    • 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases);
    • 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases);
    • 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases);
    • 1% Cash Back on all other purchases;
    • Zero Liability Fraud Protection;
    • PNC Easy Lock®.
View all Cash Rewards® Visa® details
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Card detail

PNC Core® Visa®

PNC Core® Visa®
Annual fee:
$0
Regular APR:
18.24% - 30.24% Variable
Our Rating:
3.5
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    0% Introductory Annual Percentage Rate (APR) on purchases for the first 15 billing cycles following account opening
  • Balance Transfer APR:
    18.24% - 30.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Core® Visa® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 billing cycles on purchases. In addition, there is a 0% introductory APR period for 15 billing cycles on balance transfers made within 90 days of account opening. After that, the variable APR is 18.24% - 30.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Fraud Protection;
    • Travel & Emergency Protection.
View all Core® Visa® details
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Card detail

PNC Cash Rewards® Visa Signature® Business

PNC Cash Rewards® Visa Signature® Business
Annual fee:
$0
Regular APR:
19.24% - 27.24% Variable
Our Rating:
4.02
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • $400 Bonus when you make at least $3,000 in purchases within the first 3 billing cycles from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 9 billing cycles following account opening
  • Balance Transfer APR:
    19.24% - 27.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Cash Rewards® Visa Signature® Business Credit Card earns a $400 bonus when you make at least $3,000 in purchases within the first 3 billing cycles from account opening. The Card offers 1.5% Cash Back on all purchases.

    The Cash Rewards® Visa Signature® Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 9 billing cycles on purchases. After that, the variable APR is 19.24% - 27.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
    • No Intro APR period on balance transfers
  • Benefits:
    • $400 bonus (when you make at least $3,000 in purchases within the first 3 billing cycles from account opening);
    • 1.5% Cash Back on all purchases;
    • Zero Liability Fraud Protection;
    • Extended Protection;
    • Lost Luggage Reimbursement;
    • Auto Rental Collision Damage Waiver;
    • Roadside Dispatch®;
    • Lost / Stolen Card Reporting;
    • Emergency Card Replacement and Emergency;
    • Visa Signature Concierge.
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Card detail

PNC Travel Rewards Visa® Business

PNC Travel Rewards Visa® Business
Annual fee:
$0
Regular APR:
19.24% - 27.24% Variable
Our Rating:
3.24
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Mile for every $1 in eligible net purchases.
  • Intro Offer:
    • 2x Double miles on the first $2,500 in eligible net purchases.
  • Balance Transfer APR:
    19.24% - 27.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Travel Rewards Visa® Business Credit Card earns 1x mile on all purchases. Plus, earn double miles on the first $2,500 in eligible net purchases.

    The Card doesn't charge an annual fee.

    The APR for purchases and balance transfers is 19.24% – 27.24% (Variable).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • 1x Mile for every $1 in eligible net purchases;
    • Double miles on the first $2,500 in eligible net purchases;
    • Access up to 13 months of transaction detail;
    • Extended Protection.
View all Travel Rewards Visa® Business details
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Card detail

PNC BusinessOptions® Visa Signature®

PNC BusinessOptions® Visa Signature®
Annual fee:
$0 - $500 annually
Regular APR:
16.24% - 22.24% Variable
Our Rating:
3.85
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on purchases.
  • Intro Offer:
    • $750 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.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC BusinessOptions® Visa Signature® Credit Card earns 1.5% Cash Back on all purchases. You have the ability to choose your rewards program. The BusinessOptions® Visa Signature® allows you to choose between cash back, miles, and PNC points®.

    The APR on purchases and balance transfers ranges from 16.24% to 22.24% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • $750 bonus;
    • 1.5% Cash Back on purchases;
    • Choose either a pay-in-full option or a revolving credit option to pay off your balance;
    • Choice of 3 rewards programs;
    • Ability to limit individual employee spending by merchant or purchase category;
    • Visa Signature Travel Benefits.
View all BusinessOptions® Visa Signature® details
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Card detail

PNC Points® Visa®

PNC points® Visa®
Annual fee:
$0
Regular APR:
18.24% - 30.24% Variable
Our Rating:
4.84
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on all purchases.
  • Intro Offer:
    • 50,000x Bonus Points after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points® Visa® Credit Card.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles following account opening
  • Balance Transfer APR:
    18.24% - 30.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Points® Visa® Credit Card earns 50,000 Bonus Points after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points® Visa® Credit Card.

    The Card offers 4x points on all purchases. Plus, earn up to a 75% bonus on base points when you maintain select banking accounts or digital wallets.

    The Points® Visa® Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers made within 90 days of account opening. After that, the variable APR is 18.24% - 30.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 50,000 Bonus Points (after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points® Visa® Credit Card);
    • 4x points on all purchases;
    • Up to a 75% bonus on base points when you maintain select banking accounts or digital wallets;
    • Travel & Emergency Protection.
View all Points® Visa® details
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Card detail

PNC Points® Visa® Business

PNC Points® Visa® Business
Annual fee:
$0
Regular APR:
18.24% - 27.24% Variable
Our Rating:
4.78
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on all purchases.
  • Purchase Intro APR:
    0% Introductory 0% APR for the first 9 billing cycles following account opening
  • Balance Transfer APR:
    18.24% - 27.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Points® Visa® Business Credit Card earns 5x points on all purchases.

    The Points® Visa® Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 9 billing cycles on purchases and balance transfers made within 90 days of account opening. After that, the variable APR is 18.24% - 27.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 5x points on all purchases;
    • No limit to the amount of points you can earn;
    • Extended Protection.
View all Points® Visa® Business details
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Card detail

PNC Secured

PNC Secured
Annual fee:
$36 annually
Regular APR:
23.99% Variable
Our Rating:
2.28
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    23.99% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Secured Visa® Credit Card can only be opened in person at a PNC Bank Branch. The monthly fee for the card is $3.

    The APR for purchases and balance transfers is 23.99% Variable.

  • Pros:
    • Qualify with bad credit
  • Cons:
    • Foreign Transaction Fee
    • Monthly Fee
  • Benefits:
    • Refundable security deposit ($300 - $2,500);
    • Establish, strengthen or build your credit.
View all Secured details
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Card detail

PNC Cash Unlimited® Visa Signature®

PNC Cash Unlimited® Visa Signature®
Annual fee:
$0
Regular APR:
19.24% - 30.24% Variable
Our Rating:
4.85
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months following account opening
  • Balance Transfer APR:
    19.24% - 30.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Cash Unlimited® Visa Signature® Credit Card earns 2% Cash Back on all purchases.

    The Card offers an introductory rate of 0% on purchases and balance transfers for the first 12 months from account opening (19.24% - 30.24% variable APR after that).

  • Pros:
    • $0 foreign transaction fee
    • $0 annual fee
    • Intro APR offer on purchases and balance transfers
  • Cons:
    • No welcome bonus
    • 3% of the amount of each balance transfer balance transfer fee
  • Benefits:
    • 2% Cash Back on every purchase;
    • No caps on how much you can earn;
    • No Cash Back expiration dates to worry about;
    • No quarterly activations or purchase categories to track;
    • Cell Phone Protection;
    • Zero Liability Fraud Protection.
View all Cash Unlimited® Visa Signature® details
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Card detail

PNC credit cards pros and cons

Pros

  • Signup bonus. Most cards come with a welcome bonus.
  • No annual fee. You won’t pay an annual fee for most credit cards.
  • Introductory APR. All cards come with a 0% intro APR on balance transfers or eligible purchases or both.

Cons

  • Good to excellent credit score requirement. At the minimum, you’ll need a good credit rating to qualify for PNC’s cards.
  • Lack of co-branded cards. If you’re looking for a co-branded credit card, you have to look elsewhere.

How to Choose the Right PNC Credit Card?

Sometimes, choosing the right credit card from a specific credit card company can be challenging. Considering PNC, the three following steps will make your decision process easier.

First and foremost, you need to check your credit score. It will be from "Poor” to “Excellent”, and the higher your credit is, the better PNC credit card offers and terms are available to you.

Secondly, you have to understand why you need a PNC credit card and determine the most important features your potential credit card should have. If you want a credit card to improve your credit, then look for those with extended grace period and no annual fee. If your goal is to save money on interest, PNC credit cards with the lowest interest and introductory rates are your option. In case you are looking for a credit card with cash rewards, pay attention to the rewards program offered by PNC.

Finally, you should compare the PNC credit cards you think are the best for you, but looking at all the features. In general, an ideal credit card meet the following characteristics: low interest rate, no fees, high credit limit, and numerous rewards and sign-up bonuses. You can easily compare PNC credit cards in the table below.

Side-by-Side Comparison of PNC Credit Cards

Card Name APR Annual fee Rewards Intro offer
Cash Rewards® Visa® 19.24% - 30.24% Variable $0
  • 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases).
  • 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases).
  • 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases).
  • 1% Cash Back on all other purchases.
  • $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.
    • Core® Visa® 18.24% - 30.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
    • Premier Traveler® Visa Signature® 20.49% Variable $85
  • 2x Miles for every $1 in purchases.
  • 30,000x Bonus Miles after you make $3,000 in purchases during the first 3 billing cycles following account opening of a PNC Premier Traveler® Visa Signature® Credit Card.
    • Cash Rewards® Visa Signature® Business 19.24% - 27.24% Variable $0
  • 1.5% Cash Back on all purchases.
  • $400 Bonus when you make at least $3,000 in purchases within the first 3 billing cycles from account opening.
    • Travel Rewards Visa® Business 19.24% - 27.24% Variable $0
  • 1x Mile for every $1 in eligible net purchases.
  • 2x Double miles on the first $2,500 in eligible net purchases.
    • BusinessOptions® Visa Signature® 16.24% - 22.24% Variable $0 - $500
  • 1.5% Cash Back on purchases.
  • $750 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.
    • Points® Visa® 18.24% - 30.24% Variable $0
  • 4x Points on all purchases.
  • 50,000x Bonus Points after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points® Visa® Credit Card.
    • Points® Visa® Business 18.24% - 27.24% Variable $0
  • 5x Points on all purchases.
  • No current offer.
    • Secured 23.99% Variable $36
  • This card doesn't offer cash back, miles or points.
  • No current offer.

    • Conclusion

    PNC provides a range of credit cards with different features, yet it’s important to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

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