Offer Page - Personal

PNC Personal Credit Cards special offers

PNC personal credit cards

We have a credit card for every need. Check out our special offers.

Special Offer

Treat yourself and earn a $250 bonus!

Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.^[1]

PNC Cash Rewards^® Visa^® Credit Card

Annual Fee: $0*

*Rates & Fees

**Rewards Terms & Conditions

Apply now

Maximize your cash back

Earn $250^[1,2]

after you make $1,000 or more in purchases^[3] during the first 3 months following account opening.

Must qualify for a minimum credit line of $500.^[4]

Enjoy cash back on purchases^[3] 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.^[5,6]

Earn 1% cash back on all other purchases

PNC Cash Unlimited^® Visa Signature^® Credit Card

Annual Fee: $0*

*Rates & Fees

**Rewards Terms & Conditions

Apply Now

Earn unlimited 2% cash back on purchases**^[3]

Earn $250^[1,2]

after you make $1,000 or more in purchases^[3] during the first 3 months following account opening.

Must qualify for a minimum credit line of $5,000.^[4]

No caps on how much you can earn

No cash back expiration dates to worry about^[7]

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 19.74% to 29.74%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

PNC Core^® Visa^® Credit Card

Annual Fee: $0*

*Rates & Fees

Apply now

Save with low rates

Must qualify for a minimum credit line of $500.^[4]

Save more with our 0% introductory rate 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 18.74% to 29.74%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

PNC points^® Visa^® Credit Card

Annual Fee: $0^*

*Rates & Fees

**Rewards Terms & Conditions

Apply now

Earn points for exciting rewards

Earn 100,000 bonus points^[1,2]

after you make $1,000 in purchases^[3] during the first 3 months following account opening.

Must qualify for a minimum credit line of $500.^[4]

Earn 4 to 7 points for every $1 in purchases and redeem with rewards including Apple products, merchandise, travel, gift cards or cash back.^[8]

There's no limit to the number of points you can earn.*

Earn additional bonus points when combined with a qualifying PNC checking account.** See which accounts qualify

PNC Cash Rewards^® Visa^® Credit Card

Annual Fee: $0^*

Maximize your cash back

Earn $250^[1,2]

after you make $1,000 or more in purchases^[3] during the first 3 months following account opening.

Must qualify for a minimum credit line of $500.^[4]

Enjoy cash back on purchases^[3] 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.^[5,6]

Earn 1% cash back on all other purchases.

*Rates & Fees

**Rewards Terms & Conditions

Apply now

PNC Cash Unlimited^® Visa Signature^® Credit Card

Annual Fee: $0*

Earn unlimited 2% cash back on purchases**^[3]

Earn $250^[1,2]

after you make $1,000 or more in purchases^[3] during the first 3 months following account opening.

Must qualify for a minimum credit line of $5,000.^[4]

No caps on how much you can earn

No cash back expiration dates to worry about^[7]

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 19.74% to 29.74%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

*Rates & Fees

**Rewards Terms & Conditions

Apply Now

PNC Core^® Visa^® Credit Card

Annual Fee: $0*

Save with low rates

Must qualify for a minimum credit line of $500.^[4]

Save more with our 0% introductory rate on purchases and balance transfers.*

0% intro APR on purchases for the first 18 billing cycles following account opening.*

0% intro APR on balance transfers for the first 18 billing cycles 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 18.74% to 29.74%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

*Rates & Fees

Apply now

PNC points^® Visa^® Credit Card

Annual Fee: $0*

Earn points for exciting rewards

Earn 100,000 bonus points^[1,2]

after you make $1,000 or more in purchases^[3] during the first 3 months following account opening.

Must qualify for a minimum credit line of $500.^[4]

Earn 4 to 7 points for every $1 in purchases and redeem with rewards including Apple, merchandise, travel, gift cards or cash back.^[8]

There's no limit to the number of points you can earn.*

Earn additional bonus points when combined with a qualifying PNC checking account.** See which accounts qualify

*Rates & Fees

**Rewards Terms & Conditions

Apply now

To be eligible for bonus offers, you must not have opened the same credit card product and received a bonus in connection with account opening within the last 24 months. For example, if you opened a PNC Cash Rewards credit card on January 15, 2023, and subsequently received a bonus in connection with account opening, then you are ineligible for an account opening bonus on any other PNC Cash Rewards credit card opened before January 15, 2025, subject to other terms and conditions.
Apply for a new PNC Cash Unlimited Visa Signature credit card through PNC.com. Offer available when applying through any of the links provided on this page. If approved, you will earn a $250 monetary credit on your statement after you have made $1,000 in purchases during the first 3 months following account opening. The bonus $250 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 Cash Rewards 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 $250 monetary credit on your statement after you have made $1,000 in purchases during the first 3 months following account opening. The bonus $250 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, 100,000 bonus points will be awarded after you have made at least $1,000 in purchases during the first 3 months following account opening. The 100,000 bonus points will be awarded within 90 days after you make the purchase that enabled you to meet the $1,000 minimum requirement. PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.

You may forfeit any bonus (or reward) you have earned under this offer if we determine, in our sole discretion, that you have engaged or intend to engage in abuse, misuse, or gaming in connection with this offer in any way. This may include, without limitation and without prior notice, any or all of the following (1) disqualifying you from the offer; (2) reversal of any bonus (or reward) awarded under this offer; (3) closing or suspending your account; or (4) taking legal action against you to recover any monetary losses, including attorneys’ fees and damages.

PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.
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.
The $8,000 annual cap resets each year on your anniversary date, not at the beginning of each calendar year. Your anniversary date is the date your account is enrolled in the PNC Cash Rewards Program, and the same month/day each year thereafter. For example, if your account was enrolled in the program on June 17, 2023, your anniversary date in 2024 is June 17, 2024.
Some purchases of groceries, gas or food may only qualify for 1% cash back. That is because the cash back earned on a purchase is determined by the merchant category code assigned to a merchant. The merchant category code is based on the merchant’s type of business and is assigned by the merchant’s credit card processor. PNC Bank does not assign merchant category codes. For details, please refer to the PNC Cash Rewards Program Terms and Conditions.
You must be a well-qualified borrower to be approved for a PNC Cash Unlimited credit card account. We look at a variety of factors to determine whether you are a well-qualified borrower. Among the factors we consider from your credit report: whether you have more than 3 years of credit history, whether you pay your bills on time and whether you have filed for bankruptcy. We also consider whether you have an existing PNC relationship, including a deposit account. This is not an exhaustive list of factors we consider. If we decline your application, we will provide you with the reasons for the decline.
Upon closure of your Account either by you or us, any Points and/or Cash Back that you have earned but not redeemed is immediately and automatically forfeited.
All points expire at the end of the month, 48 months after they were added to your PNC points Account. Upon closure of your account, either by you or by us, any points earned but not redeemed are immediately and automatically forfeited.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

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

PNC Cash Unlimited, PNC Cash Rewards, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.

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.

For more information regarding Go Banking Rates' Best Cash Back award, please see https://www.gobankingrates.com/credit-cards/rewards/best-cash-back-credit-cards/.

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.

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