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
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 **:
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
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
PNC Cash Rewards®
Maximize your cash back
$0 Annual Fee*
Earn $200 after you make $1,000 or more in purchases during the first 3 months following account opening.
Enjoy cash back on purchases **:
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.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
Earn unlimited 2% cash back on purchases
- Low intro APR on balance transfers*
- No caps on earn
- No cash back expiration
- No foreign transaction fees*
Save more with a 0% introductory APR on balance transfers.*
- 0% intro APR on 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 18.49% to 28.49%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC Cash Unlimited®
Earn unlimited 2% cash back on purchases
$0 Annual Fee*
- Low intro APR on balance transfers*
- No caps on earn
- No cash back expiration[4]
- No foreign transaction fees*
Save more with a 0% introductory APR on balance transfers.*
- 0% intro APR on 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 18.49% to 28.49%, 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.
Unlock a lower purchase APR over time
- Low intro APR on balance transfers & purchases
- Purchase APR Reduction Program
- Added protections on cell phones, porch and price protection[7]
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 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 19.49% to 27.49%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC Spend WiseSM
Unlock a lower purchase APR over time
$0 Annual Fee*
- Low intro APR on balance transfers & purchases
- Purchase APR Reduction Program
- Added protections on cell phones, porch and price protection[8]
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 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 19.49% to 27.49%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
Must qualify for a minimum credit line of $500.
Establish and build your credit
- Start, build, and strengthen your credit
- Determine your own credit limit with a refundable security deposit
- Improve your credit score with responsible use
PNC Secured
Establish and build your credit
- Start, build, and strengthen your credit
- Determine your own credit limit with a refundable security deposit
- Improve your credit score with responsible use
Open your card in person at a PNC Branch near you.
You Get Our Highest Level of Protection. Always.
Find the best card that fits your needs.
Respond to your mail offer
See if you're pre-approved before applying
without impacting your credit score.
You Get Our Highest Level of Protection. Always.
Calculate which cash back card is right for you
Resources for You
Resources for You
Have More Questions? We Can Help.
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, 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.