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.
The PNC Secured credit card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
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.
Frequently Asked Questions
About secured card
Secured credit cards are secured with a security deposit in an amount that is equal to the approved line amount. An unsecured credit card requires no security deposit.
A security deposit is refundable monetary collateral held by PNC against your credit limit until the credit card account is closed (by you or by us) or we determine that you no longer need to provide a security deposit. For a PNC secured card, the security deposit must be made at account opening from $300 to $2,500, in $50 increments.
The security deposit does not earn interest.
If there is a credit card balance owed at the time of account closure, the security deposit will be applied as a payment to your credit card account up to the amount of your outstanding credit card balance. Any remaining portion of the security deposit will be returned to you in the form of a check within two billing cycles from the date of closure.
The account reports to the three major credit bureaus as a secured credit card, so by using credit responsibly, clients can establish positive credit history and potentially improve their credit standings. For more credit card tips, visit pnc.practicalmoneyskills.com.
Using your secured card
Yes, you can opt-in to view your FICO score to track how your credit is trending. Your FICO score will be available to view to you both online and on your PNC Mobile app once you are opted in. To opt in, find View Fico Score in Account Actions, agree to the terms, and opt in. Once you have opted in, to find your score on the PNC Mobile app, select Account Information, scroll down and click the FICO Score button to see your score and key factors. In Online Banking, select the FICO Score option in the Accounts tab to see your score and additional information.
Yes. You have to visit a Branch to process the request. You will need to provide a deposit in increments of $50 up to the total maximum credit limit of $2,500 by way of a PNC cashier's check.
