PNC Core® Visa®

Credit Card

If you’re looking for simple savings, go with the new PNC Core Visa credit card. It’s a smarter way to save on interest.

Fast, Easy, Secure

Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!


Compare Rates

See how our low rates stack up with rates from other issuers.


Special Bonus Offer

Earn a $100 bonus after you make $1,000 or more in purchases 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.
View Offer Details »

Special Online Offer

Key Features

Save on interest for new purchases.

Get our LOWEST intro rate on purchases.

Save on interest when transferring a balance

Get our LOWEST into rate on balance transfers.

Seamless integration with PNC Online Banking and Virtual Wallet

See your overall financial picture.

Account Overview

Features and Benefits

Get more savings with lower rates

  • Our LOWEST intro rate on purchases[1] for the first 15 billing cycles from account opening to help you save on interest every time you use your card to make a purchase*
  • Our lowest intro rate on balance transfers for the first 15 billing cycles from account opening for balances transferred within the first 90 days following account opening to help you pay off higher-rate cards and save on interest*

Manage your credit card online

A PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device. Learn More »


The PNC Core Visa credit card also features:

  • No Annual Fee
  • Great intro rate balance transfer options
    to help you save on interest
  • 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»
  • PNC security & privacy
    Protection from credit or identity fraud.
  • $0 Fraud Liability
    You won’t be responsible for fraudulent charges on your account.
  • Travel & Emergency Protection
    It’s automatic, whether you’re at home or away.
  • Get a higher relationship rate
    When you link your PNC credit card to a qualifying PNC checking account and make 5 or more credit card transactions.

*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 »

Then, the Purchases and Balance Transfer APRs.

Annual Fee $0
Purchase & Balance Transfer APRs 12.24% to 22.24%, based on creditworthiness.
These APRs will vary with the market based on the prime rate.
Cash Advances APR 25.24%
This APR will vary with the market based on the prime rate.
Penalty APR 31.24%
This APR will vary with the market based on the prime rate
Minimum Interest Charge $1.50
Transaction Fees:  
Balance Transfers

Either $5 or 3% of the amount for each balance transferred during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.

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 »

Calculators
What You Need to Apply

We Also Recommend

Manage Your Credit Cards Online

Add the power of PNC Online Banking or Virtual Wallet to your PNC Visa Credit Card and see how easy it can be to keep track of your day-to-day spending.

Learn More »

Visa Checkout

Pay online the easier way with Visa Checkout and your PNC card. Breeze through checkout when shopping online with a single sign-in anytime you see the Visa Checkout button.

Sign Up Now »

Apple Pay™

With Apple Pay, you can now use your eligible iPhone, iPad and Apple Watch at hundreds of thousands of merchant locations nationwide to conveniently make purchases, all without reaching for your wallet.

Learn More »

Important Legal Disclosures and Information

  1. The term “net purchases” does not mean all purchases you may make with your credit card. Some limited transactions are excluded such as purchases of a gift card or other cash equivalent products, purchases with a convenience check, cash advances or balance transfers.

✝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. 

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

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

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