PNC Spend Wise is a service mark of The PNC Financial Services Group, Inc.
PNC Personal
Credit Cards
Pick the credit card that's right for you.
PNC Personal Credit Cards
Pick the credit card that's right for you.
New! PNC Spend Wise
Lower your purchase APR with our
APR Reduction Program.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
New! PNC Spend Wise
Lower your purchase APR with our APR Reduction Program.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
We Have a Credit Card for Every Need
PNC Spend WiseSM
Annual Fee: $0*
Must qualify for a minimum credit line of $500.
Check to see if you're pre-approved without impacting your
credit score.
Smarter Spending. Smarter Safeguards.
- With our Purchase APR Reduction Program, you can qualify for a two percentage point reduction to your purchase APR when you pay on time and make at least $3,000 in net purchases over 12 billing cycles.
- You'll get price protection and porch piracy protection on your purchases.
- Enjoy up to $25 in annual digital subscription service credits for eligible purchases.
Save more with a 0% introductory APR on purchases and balance transfers.*
- 0% intro APR on purchases for the first 18 months following account opening.*
- 0% intro APR on qualifying balance transfers for the first 18 months following account opening when the balance is transferred within the first 90 days following account opening.*
Then, a variable APR on purchases and balance transfers, currently 20.24% to 30.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC Cash Rewards®
Annual Fee: $0*
Must qualify for a minimum credit line of $500.
Check to see if you're pre-approved without impacting your
credit score.
Maximize your cash back
Earn $200
after you make $1,000 or more in purchases during the first 3 months following account opening.
Enjoy cash back on purchases with a PNC Cash Rewards credit card**:
4% on Gas station purchases
3% on Restaurant purchases
2% on Grocery store purchases
For the first $8,000 in combined purchases in the above three categories annually.
Earn 1% cash back on all other purchases
PNC Cash Unlimited®
Annual Fee: $0*
Must qualify for a minimum credit line of $5,000.
Check to see if you're pre-approved without impacting your
credit score.
Earn unlimited 2% cash back on purchases**
- No caps on how much you can earn
- No cash back expiration dates to worry about
- No foreign transaction fees*
Save more with a 0% introductory APR on balance transfers.*
- 0% intro APR on qualifying balance transfers for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening.*
- Then, a variable APR on balance transfers, currently 19.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
We Have a Credit Card for Every Need
PNC Spend WiseSM
Annual Fee: $0*
Smarter Spending. Smarter Safeguards.
- With our Purchase APR Reduction Program, you can qualify for a two percentage point reduction to your purchase APR when you pay on time and make at least $3,000 in net purchases over 12 billing cycles.
- You'll get price protection and porch piracy protection on your purchases.
- Enjoy up to $25 in annual digital subscription service credits for eligible purchases.
Save more with a 0% introductory APR on purchases and balance transfers.*
- 0% intro APR on purchases for the first 18 months following account opening.*
- 0% intro APR on qualifying balance transfers for the first 18 months following account opening when the balance is transferred within the first 90 days following account opening.*
- Then, a variable APR on purchases and balance transfers, currently 20.24% to 30.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
Must qualify for a minimum credit line of $500.
Check to see if you're pre-approved without impacting your credit score.
PNC Cash Rewards®
Annual Fee: $0*
Maximize your cash back
Earn $200
after you make $1,000 or more in purchases during the first 3 months following account opening.
Enjoy cash back on purchases with a PNC Cash Rewards credit card**:
4% on Gas station purchases
3% on Restaurant purchases
2% on Grocery store purchases
For the first $8,000 in combined purchases in the above three categories annually.
Earn 1% cash back on all other purchases
Must qualify for a minimum credit line of $500.
Check to see if you're pre-approved without impacting your credit score.
PNC Cash Unlimited®
Annual Fee: $0*
Earn unlimited 2% cash back on purchases**
- No caps on how much you can earn
- No cash back expiration dates to worry about
- No foreign transaction fees*
Save more with a 0% introductory APR on balance transfers.*
- 0% intro APR on qualifying balance transfers for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening.*
- Then, a variable APR on balance transfers, currently 19.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
Must qualify for a minimum credit line of $5,000.
Check to see if you're pre-approved without impacting your credit score.
PNC Secured Visa® credit card
PNC Secured Visa® 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 Secured Visa credit card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
PNC Secured
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 Secured credit card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
You Get Our Highest Level of Protection. Always.
Calculate which cash back card is right for you
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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 March 30th, 2025. 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.