PNC Core®
Visa® Credit Card


Lowest Intro APR on Purchases & Balance Transfers*

Introductory 0% APR on purchases for the first 15 billing cycles following account opening.*

And, introductory 0% 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, currently 10.99% to 22.99%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

No Annual Fee*

Earn $100 Bonus[] after you make $1,000 or more in purchases[1] during the first 3 billing cycles following account opening of a PNC Core Visa® Credit Card. Offer available when applying through a link on a PNC.com page on which the bonus is offered.

Features & Benefits

  • No Annual Fee*

  • Dedicated U.S.-based customer service
    We are available 7 days a week to serve you.

  • Electronic Bill Payment 
    Pay bills easily and on time.

  •  

  • Online Account Tools
    Manage transactions, balances or payments.

  • PNC Easy Lock®
    Misplaced your PNC credit card? Lock it in real time. Learn more».

  • Contactless Technology
    Pay for everyday purchases fast and with greater convenience than ever before. Learn more  »

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  • PNC security & privacy 
    Enjoy peace of mind with PNC security & privacy and built-in fraud protection.

  • Zero Liability Fraud Protection[2]
    If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use.

  • Travel & Emergency Protection
    It’s automatic, whether you’re at home or away.

Rates & Fees

*Rates and Fees

Introductory Offer

Introductory 0% Annual Percentage Rate (APR) on purchases for the first 15 billing cycles following account opening.

Introductory 0% Annual Percentage Rate (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. Calculate your savings »

After that the Purchase and Balance Transfer APRS will apply.

Annual Fee $0
Purchase & Balance Transfer APRs 10.99% to 22.99%, based on creditworthiness.
These APRs will vary with the market based on the prime rate.
Cash Advances APR 24.99%
This APR will vary with the market based on the prime rate.
Penalty APR 28.99%
This APR will vary with the market based on the prime rate
Minimum Interest Charge $1.50
Transaction Fees:  
Balance Transfers

An intro balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, applies for the first 90 days following account opening.  After that, your standard balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater, applies.

Cash Advances Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction 3% of each foreign transaction in U.S. dollars
Penalty Fees:  
Late Payment Up to $38
Returned Payment Up to $38

*See Important Information About Rates and Fees »

Manage Your Credit Card Online

In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and the PNC Mobile App.[6]

View all of your spending and saving online, from your desktop, tablet or mobile device.

Learn More »

Tools & Calculators

 

What You Need to Apply


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. A supported mobile device is needed to use Mobile Banking. Third party standard usage and data rates may apply.

✝Special PNC.com Offer: Apply for a new 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. 

Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

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

PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.

PNC Core is a registered mark of The PNC Financial Services Group, Inc.

PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.

Virtual Wallet is a registered marks of The PNC Financial Services Group, Inc.

Visa® is a registered trademark of Visa International Service Association and used under license.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.