To be eligible for bonus offers, you must not have opened the same credit card product and received a bonus in connection with account opening within the last 24 months. For example, if you opened a PNC Cash Rewards credit card on January 15, 2023, and subsequently received a bonus in connection with account opening, then you are ineligible for an account opening bonus on any other PNC Cash Rewards credit card opened before January 15, 2025, subject to other terms and conditions.
PNC Personal Credit Cards
Discover more possibilities with a PNC Credit Card
We have a credit card for every need
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period. See below for details.
PNC Cash Rewards® Visa®
PNC Cash Rewards® Visa® Credit Card
Maximize your cash back
Bonus Offer: Earn $200 cash back[1,2] after you make $1,000 or more in purchases during the first 3 billing cycles following account opening.
- 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.[4,5]
PNC Core® Visa® Credit Card
Save with low rates
- 0% intro APR on purchases for the first 15 billing cycles after account opening.**
- 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.**
- Then a variable APR on purchases and balance transfers, currently 16.24% to 28.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.**
PNC points® Visa® Credit Card
Earn points for exciting rewards
Bonus Offer: Earn 50,000 bonus points[1,6] after you make $750 in purchases during the first 3 billing cycles following account opening.
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.
You get our highest level of protection. Always.
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Apply for a new PNC Cash Rewards® 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 $200 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening. The bonus $200 monetary credit will be awarded to your account within 90 days after the purchase that enabled you to meet the $1,000 minimum requirement.
A “billing cycle” is a period of time, typically 30 or 31 days, and the first billing cycle for an account begins on the day the account is opened and is usually shorter (and can be much shorter) than 30 or 31 days. Also, a billing cycle occurs even if you make no transactions on your account during the days in that billing cycle, and in that case, you may not receive a statement for that billing cycle.
So that you have sufficient time to take advantage of this promotional offer, you will have the greater of 3 billing cycles or 93 days to make the purchases necessary to earn the bonus.
You also may forfeit any bonus (or reward) you have earned under this offer if we determine, in our sole discretion, that you have engaged or intend to engage in abuse, misuse, or gaming in connection with this offer in any way. This may include, without limitation and without prior notice, any or all of the following (1) disqualifying you from the offer; (2) reversal of any bonus (or reward) awarded under this offer; (3) closing or suspending your account; or (4) taking legal action against you to recover any monetary losses, including attorneys’ fees and damages.
PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.
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, 2022, your anniversary date in 2023 is June 17, 2023.
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.
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. PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.
You may forfeit any bonus you have earned under this offer or any rewards you earn with your credit card if we determine, in our sole discretion, that you have engaged or intend to engage in abuse, misuse, or gaming in connection with this offer in any way. This may include, without limitation and without prior notice, any or all of the following (1) disqualifying you from the offer; (2) reversal of any bonus (or reward) awarded under this offer; (3) closing or suspending your account; or (4) taking legal action against you to recover any monetary losses, including attorneys’ fees and damages.
When you pay your monthly wireless bill with your eligible PNC Visa credit card, your cell phone is protected for the next calendar month if it is stolen or damaged. A maximum of 2 claims will be paid each 12-month period, with each claim subject to a $50 deductible. Additional terms, conditions and exclusions apply. If your credit card application is approved, you will be provided with a link to a Visa Guide to Benefits that contains complete details regarding the program.
PNC Cash Rewards, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.
Virtual Wallet is a registered mark 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.
For more information regarding Go Banking Rates' Best Cash Back award, please see https://www.gobankingrates.com/credit-cards/rewards/best-cash-back-credit-cards/.
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 June 30th, 2023. 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.