PNC Spend Wise

Say Hello to Smarter Spending

Get the most out of your
PNC Spend WiseSM

Say Hello to Smarter Spending

Get the most out of your
PNC Spend WiseSM

PNC Spend Wise
Card Overview
APR Reduction Program
Purchase Protections
Subscription Credit
Digital Tools

The Credit Card That's Got Your Back.

APR Reduction Program

Earn a lower purchase APR when you pay on time and make at least $3,000 in net purchases over 12 billing cycles.

Price
Protection

You can be reimbursed for the difference in price if an item you purchased drops in price within 60 days of purchase.

Porch Piracy Protection

No more porch pirates. You can be reimbursed up to the total purchase price of the item if it is stolen within the first 90 days from purchase date.

Digital Subscription Credit

Enjoy up to $25 in annual digital subscription service credits for eligible purchases.

See details

APR Reduction Program

Earn a lower purchase APR when you pay on time and make at least $3,000 in net purchases over 12 billing cycles. 

Price
Protection

You can be reimbursed for the difference in price if an item you purchased drops in price within 60 days of purchase.

Porch Piracy Protection

No more porch pirates. You can be reimbursed up to the total purchase price of the item if it is stolen within the first 90 days from purchase date.

Digital Subscription Credit

Enjoy up to $25 in annual digital subscription service credits for eligible purchases.

See details

Punctuality Pays. Literally. 

Annually, you are eligible to earn a 2-percentage point reduction to your standard purchase APR if you meet the following requirements during your 12 billing cycle review period:

Make at least $3,000 in posted net purchases.

and

Pay at least the minimum payment due by each due date in the review period.

Purchase APR Reduction Program Details

Purchase With Peace of Mind.

Add purchasing power while protecting your wallet.

Woman shopping online with a PNC Spend Wise Credit Card

Price Protection

You can be reimbursed the difference in price up to $1,000 for an eligible item you purchased with your covered PNC Spend Wise Visa credit card if you see the same identical item advertised for less within 60 days of the date of purchase.

Porch Piracy Protection

You can be reimbursed up to $10,000 per claim for an eligible item you purchased with your covered PNC Spend Wise Visa credit card in the event your item is stolen within the first 90 days from the date of purchase.

Cell Phone Protection

When you pay your monthly cellular wireless phone bill with your covered PNC Spend Wise Visa credit card, your cell phone is protected for the next calendar month. So, you can be reimbursed up to $800 if your cell phone is stolen or damaged.

Explore all Visa Guide to Benefits

Subscribe and Save.

Earn up to $25 in annual digital subscription service credits with PNC when you use your PNC Spend Wise credit card for eligible purchases with:

  • Spotify®
  • Netflix®
  • Disney Plus®
Digital Subscription Credit Terms & Conditions

Subscribe and Save.

Earn up to $25 in annual digital subscription service credits with PNC when you use your PNC Spend Wise credit card for eligible purchases with:

  • Spotify®
  • Netflix®
  • Disney Plus®
Digital Subscription Credit Terms & Conditions

Additional Benefits for You.

Online Account Tools

With Online Banking and the PNC Mobile app, you can enjoy access to your credit card accounts including checking on your account summary, managing transactions, transferring funds, servicing, setting alerts or redeeming rewards.

PNC Easy Lock®

Misplaced your card? PNC Easy Lock puts you in control by allowing you to lock it when you can't locate your personal credit card. Locking your card means no new purchases, cash advances or withdrawals can be made until you unlock it.

Zero Liability Fraud Protection

If your card or card number is ever lost or stolen, you won’t be held responsible for unauthorized use of your card.

Contactless Technology

Pay for everyday purchases quickly and conveniently by paying with just a tap. Get the same level of security when you tap as you do when you insert your chip.

Online Statements

Get access to up to 48 months of statements online. You can also set up alerts to know when your next statement is available.

Online Account Tools

With PNC Online Banking and the PNC Mobile app, you can enjoy access to your credit card accounts including checking on your account summary, managing transactions, transferring funds, servicing, setting alerts or redeeming rewards.

PNC Easy Lock®

Misplaced your card? PNC Easy Lock puts you in control by allowing you to lock it when you can't locate your personal credit card. Locking your card means no new purchases, cash advances or withdrawals can be made until you unlock it.

Zero Liability Fraud Protection

If your card or card number is ever lost or stolen, you won’t be held responsible for unauthorized use of your card.

Contactless Technology

Pay for everyday purchases quickly and conveniently by paying with just a tap. Get the same level of security when you tap as you do when you insert your chip.

Online Statements

Turn off your paper statements and get access to up to 48 months of statements online. You can also set up alerts to know when your next statement is available.

Start with PNC Digital Banking

Sign into Online Banking or download the PNC Mobile app
to get the most out of your card.

Online Banking

Sign into Online Banking.

Activate Paperless Statements

PNC Mobile app

For banking on the go, download the PNC Mobile app.

Download on the App Store
Get it on Google Play

Get to Know Your New Digital Account Features

Activate Your Card

Your new credit card is more than just plastic—it’s your gateway to secure, convenient, and rewarding banking. Activating it is the first step toward unlocking all the benefits that come with being a PNC customer.

Add To Your Digital Wallet

Add your card to your digital wallet with the PNC Mobile app to shop in-store, in-app or online while you wait for your card to arrive. Your physical card will arrive soon via U.S. mail in a plain white envelope.

Set Up Alerts for Your Account

Get notified of credit card activity as well as account balances. You can decide what alerts are important to you and how you want to receive them.

Set Up AutoPay

Managing your credit card payments just got easier—and smarter. With PNC AutoPay, you can take control of your financial routine and enjoy peace of mind knowing your payments are always on time.

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