PNC Spend WiseSM  Visa® 
Credit Card

Earn a lower purchase APR with our Purchase APR Reduction Program

$0 Annual Fee*

Find a Branch

Only available in branch for select markets**

PNC Spend Wise

*Rates & Fees

Must qualify for a minimum credit line of $500.

PNC Spend Wise

PNC Spend WiseSM  Visa®  Credit Card

Earn a lower purchase APR with our Purchase APR Reduction Program

$0 Annual Fee*

Find a Branch

Only available in branch for select markets**

*Rates & Fees

Must qualify for a minimum credit line of $500.

Card Overview
APR Reduction Program
Purchase Protections
Subscription Credit

The Credit Card That's Got Your Back.

APR Reduction Program

Earn a lower purchase APR when you pay on time and make at least $3,000 in net purchases over 12 billing cycles.

Price Protection

Price
Protection

You can be reimbursed for the difference in price if an item you purchased drops in price within 60 days of purchase.

Porch Piracy Protection

Porch Piracy Protection

No more porch pirates. You can be reimbursed up to the total purchase price of the item if it is stolen within the first 90 days from purchase date.

Digital Subscription Credit

Enjoy up to $25 in annual digital subscription service credits for eligible purchases.

See details

Smarter spending from day one with a low introductory rate.

0% Intro APR on purchases for the first 18 months following account opening and 0% Intro APR on balance transfers for the first 18 months following account opening when the balance is transferred within the first 90 days following account opening.

Then a variable APR, currently 20.24% to 30.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

Punctuality Pays. Literally. 

Annually, you are eligible to earn a 2-percentage point reduction to your standard purchase APR if you meet the following requirements during your 12 billing cycle review period:

Make at least $3,000 in posted net purchases.

and

Pay at least the minimum payment due by each due date in the review period.

Purchase APR Reduction Program Details

Purchase With a Peace of Mind.

Add purchasing power while protecting your wallet.

Woman shopping online with a PNC Spend Wise Credit Card

Price Protection

You can be reimbursed the difference in price up to $1,000 for an eligible item you purchased with your covered PNC Spend Wise Visa credit card if you see the same identical item advertised for less within 60 days of the date of purchase.

Porch Piracy Protection

You can be reimbursed up to $10,000 per claim for an eligible item you purchased with your covered PNC Spend Wise Visa credit card in the event your item is stolen within the first 90 days from the date of purchase.

Cell Phone Protection

When you pay your monthly cellular wireless phone bill with your covered PNC Spend Wise Visa credit card, your cell phone is protected for the next calendar month. So, you can be reimbursed up to $800 if your cell phone is stolen or damaged.

Subscribe and Save.

Earn up to $25 in annual digital subscription service credits with PNC when you use your PNC Spend Wise credit card for eligible purchases with:

  • Spotify®
  • Netflix®
  • Disney Plus®
Digital Subscription Credit Terms & Conditions

Subscribe and Save.

Earn up to $25 in annual digital subscription service credits with PNC when you use your PNC Spend Wise credit card for eligible purchases with:

  • Spotify®
  • Netflix®
  • Disney Plus®
Digital Subscription Credit Terms & Conditions
Image of Spend Wise Credit Card

Add purchasing power while protecting your wallet.

$0 annual fee*

Find a Branch
Image of Spend Wise Credit Card

Add purchasing power while protecting your wallet.

$0 annual fee*

Find a Branch

Additional Benefits for You.

Additional Benefits for You.

Estimate Your Balance Transfer.

Have Questions?

We're here to help.

Visit Us

Find a PNC location near
you and stop by to see us.

Find a PNC Branch or ATM

Customer Service

Find answers to frequently asked questions, how-to videos and service phone numbers to assist you.

Visit the Customer Service page