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?
Choosing the best credit card from a specific credit card issuer can be challenging. Considering PNC, there are three steps that can make your decision process easier.
First of all, you need to check your current credit score. It varies from "Poor” to “Excellent”, and the higher your credit score is, the better PNC credit card offers and terms are available to you.
Secondly, you have to understand why you want a PNC credit card and determine the most crucial aspects your future credit card must have. If you search for a credit card to improve your credit, then look for those with large grace period and no annual fee. If your aim is to avoid spending money on interest, PNC credit cards with the smallest interest and long intro offer are your option. In case you need a credit card with cash, points, or miles rewards, check the rewards program offered by PNC.
Finally, try tocompare the PNC credit cards you think are the best for you, but taking into consideration all the aspects. In general, the perfect credit card meet the following characteristics: near-zero annual percentage rate (APR), long grace period, no fees, high credit limit, the finance charge calculations include one billing cycle only, 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 issues a wide range of credit cards with numerous features, yet it’s important to find the one that will be the best for you.
