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PNC Personal Credit Cards
Pick the credit card that's
right for you.
PNC Personal Credit Card Special Offers
We have a credit card for every need.
Special offer
Treat yourself and earn a $200 bonus
with PNC Cash Rewards®.
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*
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®
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 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.*
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®
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.*
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.