PNC Secured
Establish and strengthen your credit.
Open your account in a branch with a refundable security deposit ($300-$2,500).
PNC Secured
Establish and strengthen your credit.
Open your account with a refundable security deposit ($300-$2,500).
$0 Annual Fee*
Build Your Credit, Spend With Security, Finance Your Future
Consistently build your credit with smart purchases and payments.
How secured cards work
For illustration purposes only.
Improving Your Credit Unlocks New Opportunities
- Rent an Apartment
- Buy a Car
- Get Better Loans
- Buy a House
Improve your financial future by improving your credit.
The PNC Secured credit card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
Improve your financial future by improving your credit.
What Do I Need For My Appointment?
Credit Tips & Tools
Whether you’re just beginning to explore credit, or already have a credit card, PNC is here to help you start – and stay on – the right financial path.
Credit Basics
Credit cards provide convenience and can even provide rewards based on spending. However, if cardholders don’t manage their cards carefully, they may find themselves facing unwanted consequences like a poor credit score or unexpected fees.
Credit Scores
When you apply for credit, lenders determine your eligibility by examining your credit scores, also known as FICO® scores. Each of the three main credit bureaus — Experian, TransUnion, and Equifax — keep credit information about you that is used to calculate your FICO score. This includes your payment history, the amount of money you owe creditors, the length of your credit history and the number of recently opened credit accounts.
Building Credit
Understanding what credit is and how your credit score can be improved is a crucial step toward reaching your financial goals. Your credit score is a measure of factors that may predict your ability to repay credit. It's a complex formula that takes into account how you've repaid previous loans, any outstanding debt, and other financial history.
Credit Report
To get an understanding of your financial future, many businesses look at your past. Your financial history is contained in your credit report, which can determine everything from whether you qualify for a loan and the rate you'll pay on that loan to your prospects for renting an apartment or obtaining car insurance. A strong credit report is key to building and managing your finances.
Credit Resources
Make sure you create financially smart habits by requesting your free credit report annually. Click Learn More for resources to keep track of your score and review it for inaccuracies.
