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 Cash Rewards

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.

Cash Rewards Signature Credit Card

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 Rewards Credit Card

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®

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.