Personal Credit Cards

More Cash Back. Lower Rates. Rewards. Travel.

No matter what you're looking for in a credit card, we've got you covered.

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$100 or 50,000 Bonus Points

Earn a bonus on select credit cards.
Offer available when applying through a link on a PNC.com page on which the bonus is offered.
View Offer Details »

Special Online Offer

MAXIMIZE YOUR CASH BACK...EVERY DAY

  • Earn 4% on gas station purchases 
  • Earn 3% on dining purchases at restaurants, including fast food
  • Earn 2% on grocery store purchases
  • Earn 1% on all other purchases

You'll earn at least 1% cash back on purchases[1] everywhere, every time. 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 in these categories annually.*

Cash back[2] is automatic - there's no need to enroll or track rotating categories. 

See how our cash back categories stack up against other credit card issuers »


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SAVE WITH LOWER RATES

  • Save on interest with 0% Intro APR on balance transfers for first 15 billing cycles when you transfer the balance within 90 days.*
  • Save on interest with 0% Intro APR on purchases[1] for first 15 billing cycles, when carrying a balance.*
  • Then a variable APR, currently 12.24% to 22.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
  • No annual fee*

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EARN POINTS FOR EXCITING REWARDS

  • 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
  • No annual fee**
  • Introductory offer on purchases and balance transfers**

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ENJOY TRAVEL PERKS, MILES, REWARDS

  • Get 30,000 bonus miles when you make $3,000 in purchases[1] in the first 3 billing cycles following account opening - a $300 value when you redeem miles for travel rewards[3]
  • Earn 2 miles for every $1 spent on all purchases*[1]
  • No foreign transaction fees on purchases[1] made abroad**
  • Introductory $0 annual fee for the first year, then $85**
  • Introductory offer on balance transfers**

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One Stop for All Things Credit Card

Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards. Find the right card for you.


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Manage Your Credit Cards Online

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Digital Payments

Breeze through the checkout process online, in-store and in-app when you connect your PNC debit or credit card to a digital payment option.

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Visa Checkout

Love shopping online, but hate all the hassles when it's time to pay? Visa Checkout lets you click, pay and be on your way

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Important Legal Disclosures and Information

  1. 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.

  2. For details about the PNC Cash Rewards Program, including information on purchases, category restrictions and earning and redeeming cash back, please refer to the PNC Cash Rewards Terms and Conditions

  3. The bonus 30,000 miles will be awarded to your account within 60 days of the purchase that enabled you to meet the $3,000 minimum requirement.

PNC Cash Rewards, PNC Premier Traveler, PNC Core, and PNC points are registered marks 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.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

✝Special PNC.com Offer: Apply for a new PNC Cash Rewards® Visa® or PNC Core® 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 $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening. The bonus $100 monetary credit will be awarded to your account within 90 days after the purchase that enabled you to meet the $1,000 minimum requirement. 

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.