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PNC Cash Rewards® Visa® Credit Card
PNC Cash Rewards® Visa® Credit Card
- 18.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The PNC Cash Rewards® Visa® Credit Card is for cash back enthusiasts, earning them money on every purchase with no enrollment or rotating categories.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get a $100 bonus after you make at least $1,000 in purchases during the first 3 months from account opening
- Earn 4% cash back on gas station purchases, 3% on purchases at restaurants, 2% on grocery story purchases, and 1% on all other purchases
- Cash back never expires as long as your account is open
- 0% APR on balance transfers for 12 months
- Regular Purchase APR: 18.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days of account opening date
- Balance Transfer APR: 18.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You frequently make purchases at gas stations, restaurants, and grocery stores
- You want a credit card with no annual fee
- You have other credit card balances at higher interest rates that you can transfer to save money
- You want a credit card for which you can earn cash back daily on every purchase
PNC points® Visa® Credit Card
PNC points® Visa® Credit Card
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The PNC points® Visa® Credit Card emphasizes earning you points and gives you the ability to multiply your allotment based on your PNC account relationship.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get 50,000 bonus points after you make at least $750 in purchases during the first 3 months from account opening
- Earn 4 points per $1 on eligible purchases
- Earn up to a 75% bonus on base points when you maintain select banking accounts or digital wallets
- No limit to the amount of points you can ear
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You’re looking for a rewards credit card that earns points on every purchase
- You have a PNC virtual wallet or checking account that can help you boost your points earning total
- You want various options for which to redeem your accumulated rewards points
- You’re looking for a credit card with no annual fee
PNC Core® Visa® Credit Card
PNC Core® Visa® Credit Card
- 15.99% to 27.99% variable based on creditworthiness Regular Purchase APR
- 15.99% to 27.99% variable based on creditworthiness Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The PNC Core® Visa® Credit Card offers a low APR and even lower introductory rates on purchases and balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
- 0% intro APR on purchases and balance transfers for 15 months
- Low regular APR on purchases
- No annual fee
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 15.99% to 27.99% variable based on creditworthiness
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.99% to 27.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 3% each balance transfer amount, whichever is greater, for first 90 days. After, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You want a credit card with a low variable APR
- You need to transfer a balance to save on interest payments
- You have a large purchase on the horizon that will require multiple payments and that can benefit from 0% interest
- You do not want to pay an annual fee
PNC Cash Rewards® Visa Signature® Business Credit Card
PNC Cash Rewards® Visa Signature® Business Credit Card
- 15.99% to 24.99% variable based on creditworthiness Regular Purchase APR
- 15.99% to 24.99% variable based on creditworthiness Balance Transfer APR
- 26.99% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening Intro Purchase APR
At a Glance
Business owners that can put their spending to work for them will appreciate the PNC Cash Rewards® Visa Signature® Business, which earns unlimited 1.5% cash back with no category restrictions. There’s also a 0% intro APR offer and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $200 bonus when you make at least $3,000 in purchases within the first 3 months from account opening
- Earn 1.5% cash back on all purchases
- No limit to the amount of cash back that you can earn
- Redeem cash back anytime as a statement credit or as a deposit into an eligible PNC Business checking or savings account
- No annual fee
- Intro Purchase APR: 0% for 9 months from account opening
- Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness
- Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You own or operate a small business
- You can take advantage of a credit card instead of a loan or other line of credit to handle business expenditures
- You want to earn cash back on any purchase when you cover costs for your business
- You want a central portal in which you can stay organized and manage the money that goes in and out of your account
PNC BusinessOptions® Visa Signature® Credit Card
PNC BusinessOptions® Visa Signature® Credit Card
- 15.99% to 21.99% variable based on creditworthiness Regular Purchase APR
- 15.99% to 21.99% variable based on creditworthiness Balance Transfer APR
- 26.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The PNC BusinessOptions® Visa Signature® Credit Card is a powerful all-in-one card that offers flexibility based on how you wish to use it for your company.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Choose either a pay-in-full option or a revolving credit option to pay off your balance
- Choose between cash rebates, PNC points®, and travel rewards as your card’s rewards program
- No foreign transaction fees
- No fees for additional employee cards, Add your company’s logo to your card
- Regular Purchase APR: 15.99% to 21.99% variable based on creditworthiness
- Balance Transfer APR: 15.99% to 21.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
- Penalty APR: 33.99% variable based on the Prime Rate
- Annual Fee: $0 to $500
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: Up to $69
- You own or operate a small business
- You want 1.5% cash back on purchases through the revolving card account option
- You require a significant amount of spending to cover company expenses
- You want the flexibility to choose your line of credit type as well as the type of rewards program that will apply to your card
- You intend to have additional cards issued to employees
- You want a card with no foreign transaction fees
- You’re looking for a centralized account management portal that gives you real-time control over how your card (and your employees’) is used
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PNC Bank Credit Cards Rewards Guide
How to Earn Rewards
PNC Bank Credit Cards earn PNC Rewards with every purchase. The PNC Bank points Visa Card earn four points for every dollar spent on purchases, for example. Cardholders also earn additional points with additional PNC accounts or services:
- 25% Bonus Points: Earn 25% more PNC points with a Virtual Wallet, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance Select, or Performance checking account.
- 50% Bonus Points: Earn 50% more points while maintaining a Performance checking account, or a combination of a Virtual Wallet with Performance Spend and meeting minimum balance or deposit requirements each month.
- 75% Bonus Points: PNC Bank credit cards receive 75% more points when maintaining a Performance Select checking account or a combination of a Virtual Wallet with Performance Select and meeting minimum balance or deposit requirements each month.
Do PNC Rewards Expire?
PNC Reward points expire after four years. Additionally, if a PNC Bank credit card account is closed, the points are forfeited.
Value of PNC Rewards Points
The approximate valuation of PNC Rewards points is 0.25 cents per point. PNC Rewards have different values depending upon the award option; however, with travel offering the best value.
How to Redeem PNC Rewards
PNC Bank Rewards apply to several award options. These include gift cards, merchandise, hotel stays, car rentals, flights, cash back, and more. Cash back options include statement credits and deposits into PNC banking accounts. Points also apply to point-of-sale purchases using PNC Virtual Wallet.
Does PNC Bank Offer Preapproval?
PNC Bank does not offer online preapproval for their credit card offers. The bank does, however, send out pre-screen offers for those who may qualify for their credit cards. Because PNC does not provide a prequalification service, potential applicants must understand the credit requirements of PNC credit cards before applying. PNC Bank currently offers credit cards for those with good to excellent credit scores.
Browse the Top PNC Bank Credit Cards
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