PNC Flex® Visa®

Credit Card

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.

Key Features

Save on interest and earn points

A low intro balance transfer rate and earn 4 points for per $1 in qualifying purchases.

Seamless integration with PNC Online Banking and Virtual Wallet

See your overall financial picture.

No Annual Fee**

There is no annual fee for this card.

Account Overview

Features and Benefits

Earn 4 points for every $1 in qualifying purchases

 

Earn 100 bonus points for every $2

in non-promotional interest billed during a billing cycle when you have a qualifying deposit account balance of $500–$1,499.99*

Earn 100 bonus points for every $1

in non-promotional interest billed during a billing cycle when you have a qualifying deposit account balance of $1,500 or more*


Redeem your points for exciting rewards

  • You’ll automatically be enrolled in the PNC points® Program
  • There’s no limit to the number of points you can earn
  • Choose from hundreds of rewards – including cash, gift cards, electronics, name-brand merchandise and travel
  • See all the rewards
*See Reward Program Terms and Conditions


Manage your credit card online

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 »


Every PNC Bank Visa credit card features:

  • PNC Security Assurance
    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.
  • Online Account Tools
    Manage transactions, rewards, balances or payments.
  • Electronic Bill Payment
    Pay bills easily and on time.

**Rates and Fees

Introductory Offer

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. Calculate your savings »

Then, the Balance Transfer APR

Annual Fee $0
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.
Penalty APR 28.99%
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 4% 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 $35
Returned Payment Up to $35

**See Important Information About Rates and Fees »

Calculators
How to Apply

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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 iPhone® 6 and iPhone 6 Plus at hundreds of thousands of merchant locations nationwide to conveniently make purchases with your PNC Visa cards, all without reaching for your wallet.

Learn More »

Important Legal Disclosures and Information

  1. The term "qualifying purchases" does not mean all transactions you may make using your credit card. Some limited transactions, such as cash advances, are excluded. For details about excluded transactions, please see the complete reward program terms and conditions.

  2. 50,000 bonus points will be awarded after you have made at least $750 in qualifying purchases during the first 3 billing cycles following account opening. The 50,000 bonus points will be awarded within 90 days after you make the qualifying purchase that enabled you to meet the $750 minimum requirement. The 50,000 bonus points, if earned, are forfeited if the account is closed before the bonus points are awarded.

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.

Equal Opportunity Lender

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC