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PNC Personal Credit Cards
Pick the credit card that's right for you.
PNC Personal Credit Cards
Special offer
Treat yourself and earn a $200 bonus with PNC Cash Rewards®.
PNC Cash Rewards®
$0 Annual Fee*
Must qualify for a minimum credit line of $500.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
Maximize your cash back
Earn a $200 bonus after opening an account and making $1,000 in purchases within the first 3 months.
Enjoy cash back on purchases **:
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
Earn unlimited 2% cash back on purchases
- Low intro APR on balance transfers
- No caps on earn
- No cash back expiration[8]
- 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 18.49% to 28.49%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC Cash Rewards®
Maximize your cash back
$0 Annual Fee*
Earn a $200 bonus after opening an account and making $1,000 in purchases within the first 3 months.
Enjoy cash back on purchases **:
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.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
PNC Cash Unlimited®
Earn unlimited 2% cash back on purchases
$0 Annual Fee*
- Low intro APR on balance transfers*
- No caps on earn
- No cash back expiration[4]
- 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 18.49% to 28.49%, 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.
Unlock a lower purchase APR over time
- Low intro APR on balance transfers & purchases
- Purchase APR Reduction Program
- Cell Phone Protection, Porch Piracy Protection, and Price Protection[7]
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 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 19.49% to 27.49%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC Spend WiseSM
Unlock a lower purchase APR over time
$0 Annual Fee*
- Low intro APR on balance transfers & purchases
- Purchase APR Reduction Program
- Cell Phone Protection, Porch Piracy Protection, and Price Protection[7]
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 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 19.49% to 27.49%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
Must qualify for a minimum credit line of $500.
Establish and build your credit
- Start, build, and strengthen your credit
- Determine your own credit limit with a refundable security deposit
- Improve your credit score with responsible use
PNC Secured
Establish and build your credit
- Start, build, and strengthen your credit
- Determine your own credit limit with a refundable security deposit
- Improve your credit score with responsible use
Open your card in person at a PNC Branch near you.