Personal Credit Cards
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$100 or 50,000 Bonus Points
Earn a bonus✝ on select credit cards.
Offer available when applying through a link on a PNC.com page on which the bonus is offered.
MAXIMIZE YOUR CASH BACK...EVERY DAY
- Earn 4% on gas station purchases
- Earn 3% on dining purchases at restaurants, including fast food
- Earn 2% on grocery store purchases
- Earn 1% on all other purchases
You'll earn at least 1% cash back on purchases[1] everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.*
- Save on interest with 0% Intro APR on balance transfers for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.*
- Save on interest with 0% Intro APR on purchases[1] for the first 15 billing cycles following account opening.*
- Then a variable balance transfer and purchase APR , currently 10.99% to 22.99%, based on creditworthiness. These APRs vary with the market based on the prime rate. Creditworthiness, will apply.*
- No annual fee*
EARN POINTS FOR EXCITING REWARDS
- Earn 4 points for every $1 in purchases*[1]
- Earn even more points with PNC Virtual Wallet® or an eligible PNC Checking account when you meet additional requirements*
- Redeem your points for thousands of valuable rewards – including cash, name brand merchandise, travel, and more
- No annual fee**
- Introductory offer on purchases and balance transfers**
ENJOY TRAVEL PERKS, MILES, REWARDS
- Get 30,000 bonus miles when you make $3,000 in purchases[1] in the first 3 billing cycles following account opening - a $300 value when you redeem miles for travel rewards[3]
- Earn 2 miles for every $1 spent on all purchases*[1]
- No foreign transaction fees on purchases[1] made abroad**
- Introductory $0 annual fee for the first year, then $85**
- Introductory offer on balance transfers**
PNC Bank Visa®
Secured Credit Card
ESTABLISH AND STRENGTHEN YOUR CREDIT
- Open your account with a refundable security deposit ($300-$2,500). If approved, the security deposit will be used to establish your new credit limit.
- Establish, strengthen or build your credit – use this card responsibly and over time it can improve your overall credit score.
- The PNC Bank Visa® Secured Credit Card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
One Stop for All Things Credit Card
Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards. Find the right card for you.
Have Questions? We're Here to Help.
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Important Legal Disclosures and Information
The term “purchases” does not mean every transaction you make with your credit card. Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers are excluded.
The $8,000 annual cap resets each year on your anniversary date, not at the beginning of each calendar year. Your anniversary date is the date your account is enrolled in the PNC Cash Rewards Program, and the same month/day each year thereafter. For example, if your account was enrolled in the program on June 17, 2021, your anniversary date in 2022 is June 17, 2022.
Some purchases of groceries, gas or food may only qualify for 1% cash back. That is because the cash back earned on a purchase is determined by the merchant category code assigned to a merchant. The merchant category code is based on the merchant’s type of business and is assigned by the merchant’s credit card processor. PNC Bank does not assign merchant category codes. For details, please refer to the PNC Cash Rewards Program Terms and Conditions available at pnc.com/creditcards.
For details about the PNC Cash Rewards Program, including information on purchases, category restrictions and earning and redeeming cash back, please refer to the PNC Cash Rewards Program Terms and Conditions.
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You will earn 30,000 bonus miles after you have made $3,000 in purchases during the first 3 billing cycles following account opening. The bonus 30,000 miles will be awarded to your account within 60 days of the purchase that enabled you to meet the $3,000 minimum requirement. We may decide not to honor this bonus offer as a result of misuse/abuse of the Premier Traveler reward program, or if a purchase return, credit, or chargeback occurs with respect to a transaction made to qualify for the bonus. We reserve the right to freeze or refuse to credit bonus miles made available through this offer, or to recoup the bonus miles or their cash equivalent (even in the event your account has been closed by you or us.)
PNC Cash Rewards, PNC Premier Traveler, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
✝Special PNC.com Offer: Apply for a new PNC Cash Rewards® Visa® or PNC Core® Visa® credit card through PNC.com. Offer available when applying through any of the links provided on this page. If approved, you will earn a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening. The bonus $100 monetary credit will be awarded to your account within 90 days after the purchase that enabled you to meet the $1,000 minimum requirement.
Apply for a new PNC points® Visa® Credit Card through PNC.com. Offer available when applying through any of the links provided on this page. If approved, 50,000 bonus points will be awarded after you have made at least $750 in purchases during the first 3 billing cycles following account opening. The 50,000 bonus points will be awarded within 90 days after you make the purchase that enabled you to meet the $750 minimum requirement.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.
Credit Card Agreements
Pursuant to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the credit card agreements below were submitted to the Federal Reserve Board. These agreements were effective as of December 31, 2021. If you are applying for a credit card now, the terms of the account you are applying for may be different from those terms and conditions in the agreements posted below.
