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Apply online and get a response in minutes and your card in 7 - 10 days!
If you tend to carry a balance on your credit card, you want to save on interest and still earn rewards. PNC Flex helps you do both.
A low intro balance transfer rate and earn 4 points for per $1 in qualifying purchases.
See your overall financial picture.
There is no annual fee for this card.
In addition to giving you the rewards you want, 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 »
Introductory 0% Annual Percentage Rate (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, the Balance Transfer APR
|Purchase & Balance Transfer APRs||10.99% to 19.99%, based on creditworthiness.
These APRs will vary with the market based on the prime rate.
|Cash Advances APR||21.99%
This APR will vary with the market based on the prime rate.
This APR will vary with the market based on the prime rate
|Minimum Interest Charge||$1.50|
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 4% of the amount of each cash advance, whichever is greater|
|Foreign Transaction||3% of each foreign transaction in U.S. dollars|
|Late Payment||Up to $35|
|Returned Payment||Up to $35|
|Introductory Term*:||18 months|
|Balance Transfer Fee*:
NOTE: After the promotion period, a variable APR currently 10.99% to 19.99% 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 transfer amount are subject to limitations and restrictions.
2. The promotion period is the first 18 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.
You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.
Important Information About the PNC Flex® Credit Card Rewards Program
The following is a summary of the PNC Flex Credit Card reward program. For more details, please refer to the full terms and conditions for the reward program.
The following is a summary of the PNC points reward program referenced on the front of this offer. Full reward program terms and conditions will be sent with your credit card and are available on pnc.com/creditcards.
As used herein, the term "Qualifying Purchases" does not mean all purchases you may make with your credit card. Some limited transactions are excluded such as purchase of a gift card or other cash equivalent product, purchases with a convenience check, cash advances or balance transfers. For details, please see the full terms and conditions for this reward program.
Your credit card will be automatically enrolled in the PNC points program.
If, on the last day of the billing cycle for your PNC Flex credit card account you have a Qualifying Deposit Account, you may qualify for a bonus of (i) 100 points for every $1 in non-promotional interest billed if you have a combined average balance of $1,500.00 or more, or (ii) 100 points for every $2 in non-promotional interest billed if you have a combined average balance of $500.00 - $1,499.99, based on all of the Qualifying Deposit Accounts for which you are an account owner, for the period covered by the most recent monthly statement issued for each Qualifying Deposit Account on or prior to the Due Date for your PNC Flex credit card account ("Bonus Points"). Qualifying Deposit Accounts are Foundation Checking, Free Checking, Standard Checking, Virtual Wallet, Virtual Wallet with Performance Spend, Performance Checking, Performance Select Checking or Virtual Wallet with Performance Select. For Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select, the average monthly balance is determined based on the Spend and Reserve components of the product. If the PNC Flex credit card account is in the name of more than one individual, then all such individuals must also be an owner of the Qualifying Deposit Account to earn Bonus Points. Points are awarded to your PNC points account within 7 - 10 business days but no later than within 60 calendar days.
The Annual Percentage Yield (APY) associated with any interest bearing PNC Bank checking or other deposit account referenced above is a variable rate subject to change, and varies by market and product type. Fees may reduce earnings. Visit the Interest Rate Center on pnc.com, or any PNC Bank branch or call 1-877-CallPNC (225-5762) to obtain APY information in your market.
PNC Flex is a registered mark of the PNC Financial Services Group, Inc.
PNC points 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 creditor and issuer of the PNC Bank Credit Cards.
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