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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.
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 »
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 |
Calculators
Calculate Your 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
Enter your current credit card or debt balances
During the 15-month2 promotion period:
| Introductory APR*: | 0% |
| Introductory Term*: | 15 months |
| Balance Transfer Fee*: (minimum $5) |
3% |
You Could Save
$0
NOTE: After the promotion period, a variable APR currently 12.24% to 22.24% based on creditworthiness will be applied.
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.
1. Balance Transfers are subject to certain limitations and restrictions, including the terms and conditions of any applicable introductory balance transfer offer.
2. The promotion 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 may be asked to provide 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 immediately and if approved, your card will arrive within 7-10 business days.
We Also Recommend
Important Legal Disclosures and Information
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
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