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.
Personal Credit Cards
We have a card for every need: Cash Back. Low Rates. Rewards.
PNC Cash Rewards® Visa® Credit Card
Maximize Your Cash Back....Every Day
Earn $200[3]
To be eligible to apply online, you must be a PNC Online Banking user.
If you are not enrolled in PNC Online Banking, visit your nearest PNC Bank branch, or call.
- Earn at least 1% cash back on purchases[1] everywhere. 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[2] in these categories annually.*
- You'll receive a $200 Bonus after you make $1,000 or more in purchases[1] during the first 3 billing cycles following account opening.[3]
- Cash back[4] is automatic - there's no need to enroll or track rotating categories.
- Cell phone protection included. Limitations apply.[5]
- $0 annual fee.**
Earn $200
PNC Core® Visa® Credit Card
Save with Low Rates
To be eligible to apply online, you must be a PNC Online Banking user.
If you are not enrolled in PNC Online Banking, visit your nearest PNC Bank branch, or call.
- Purchase Offer Enjoy 0% introductory APR on purchases for the first 15 billing cycles following account opening. Then a variable APR, currently 15.99% to 27.99%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
- Save on interest and pay off higher rate cards with our LOWEST introductory rate on balance transfers.**
- Additional savings on interest with our LOWEST intro rate on purchases.**
- Cell phone protection included. Limitations apply.[5]
- $0 annual fee.**
PNC points® Visa® Credit Card
Earn points For Exciting Rewards
- You'll get 50,000 bonus points after you make $750 or more in purchases[1] during the first 3 billing cycles following account opening.[6]
- 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.
- $0 annual fee.**
- Introductory offer on purchases and balance transfers.**
Earn 50,000 Points
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.
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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 December 31st, 2022. 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. Please note that we are no longer accepting new applications for PNC Premier Traveler Visa Signature as of February 24th, 2023.