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

Spend Wise

Lower your purchase APR with our
APR Reduction Program.

Respond to your mail offer

See additional offers

Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.

New! PNC Spend Wise

Cash Rewards

Lower your purchase APR with our APR Reduction Program.

Respond to your mail offer

See additional offers

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.*

Cash Rewards Signature Credit Card

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 Visa Signature Credit Card

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 Wise Visa Credit Card

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

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

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

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.

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.

Zero Liability fraud protection

If your card or card number is ever lost or stolen, you won’t be held responsible for unauthorized use of your card.

Cell phone protection available

When you use your eligible PNC Visa credit card to pay for your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged. Limitations apply.

Go contactless and check out with confidence

Pay for everyday purchases quickly and conveniently with contactless PNC Credit Cards. Get the same level of security when you tap as you do when you insert your chip.

Calculate which cash back card is right for you

PNC Cash Unlimited and PNC Cash Rewards Credit Cards
PNC Cash Unlimited and PNC Cash Rewards Credit Cards

Read Related Articles

Protect

Steps to Take If You Lose Your Wallet

Discover what to do if you lose your wallet through our essential guide. Learn steps like card locking, police reporting, and more to stay secure.

4 min read

Spend

What Is APR on a Credit Card? Understand Your Rates

Learn about APR on a credit card, its types, and how it affects your balance. Get insights to make informed credit decisions and save money.

7 min read

Borrow

What Is Debt Consolidation & How Does It Work?

Considering debt consolidation? Learn about your options, which factors to consider, and how to help make your debt consolidation a success.

10 min read