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 13.24% to 25.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
No Annual Fee*
Features & Benefits
No Annual Fee*
Dedicated 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 »
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.
See Visa Guide to Benefits for further Information »
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 | 13.24% to 25.24%, based on creditworthiness. These APRs will vary with the market based on the prime rate. |
| Cash Advances APR | 27.24% 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 | 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 |
Manage Your Credit Card Online
A PNC credit card can integrate seamlessly with PNC Online Banking and the PNC Mobile App.[3]
View your spending and saving online, from your desktop, tablet or mobile device.
Calculators
Calculate Your Estimated Savings When You Transfer A Balance
Estimate your savings when you transfer your credit card or other debt balances to a new PNC Core Visa Credit Card
Enter your current credit card or debt balances
During the 15 billing cycles++ introductory period:
Introductory APR*: |
0% |
Introductory Term++: |
15 billing cycles |
Intro Balance Transfer Fee*: |
3% |
*NOTE: After the introductory period, a variable APR currently 13.24% to 25.24% based on creditworthiness will be applied. This APR will vary with the market based on the prime rate. Also, after the introductory period, your standard balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater, will apply.
Calculations & Assumptions: The savings reflected are approximate and are calculated on the difference in interest charges between the higher APR cards you entered and the lower introductory balance transfer APR offered by PNC Bank. Actual savings may be impacted based on your purchase and payment activity. Fees other than the balance transfer fee are not taken into consideration. No upper limit to balance transfer fees are considered. Additionally, it is assumed that no other balances are on the account other than the transferred balance that is subject to the promotional rate. For purposes of this calculator, the minimum payment is calculated as 1% of principal balance plus interest and fees. Your minimum payment may be different. See your credit card agreement for details.
**Balance Transfers are subject to certain limitations and restrictions, including the terms and conditions of any applicable introductory balance transfer offer.
++ The introductory period is the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.
What You Need to Apply
Information You Need to Complete the Application
During the application process, you will be asked to provide/confirm the following information:
- First and Last Name
- Date of Birth
- Address
- Social Security Number
- Monthly Housing Payment
- Total Annual Income
You'll receive a response and if approved, your card will arrive within 7-10 business days.
Related Resources
Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards.
If you have questions about or need help with your existing PNC credit card, we're here to help.
Important Legal Disclosures and Information
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.
Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.
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A supported mobile device is needed to use Mobile Banking. Third party standard usage and data rates may apply.
✝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 is a trademark of Apple Inc., registered in the U.S. and other countries. iPhone and Apple Pay are trademarks 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 mark 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.
