Credit Card Center

One Stop for All Things Credit Card

Learn about the advantages of using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards.


Ready to Get Started

No matter what you're looking for in a credit card, we've got you covered.

101: Credit Basics

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.



Use credit cards the right way – and get off to a great financial start

When used in a smart way, credit cards can help you establish a solid credit history. And that can really come in handy down the road. Specifically, an established credit history can help with things like:

  • Getting approved for a car loan
  • Buying a house
  • Finding a job
  • Starting a business

Credit Tips & Tools

Important information, tips and insights that will help you to better understand and manage your credit wisely.


7 Steps to Building Strong Credit

Start working on building a strong credit history now, so that it’s there when you need it in the future.


How to Make Credit and Debt Work for You

You always should borrow with a clear purpose to improve your overall financial well-being and a clear plan to pay back what you owe.


A College Student’s Guide to Build Good Credit

When looking to build credit there are a few things you should look into and understand how to do. These topics range from building good credit, choosing the right credit card and knowing what good credit can do for you.

Managing Your Account

We provide smart, secure online tools that empower you to take control of your money – day or night, across any device.


Start Here: Online Banking

PNC Online Banking makes it easy to set up your account for success. It’s the free, secure way to stay connected to your account 24/7.


Sync up with Virtual Wallet Student®

If you have a Virtual Wallet Student account, you can seamlessly add your PNC credit card to your Calendar, see your transactions automatically sorted in Spending + Budgets, and manage your credit card on the go with our mobile app[2].


Pay Your Bill the Easy Way – Automatically

On-time payments can help you establish a solid credit history. And automated payments make paying on time a breeze. Set it up once and you’re done. But always be sure to review your statement every month and let us know if you think there is an unauthorized transaction or you believe there is a mistake on your statement.


Pick Your Own Payment Due Date

For extra convenience, PNC lets you select when your payment is due. Simply choose a date that works best for your schedule and budget.


Access Your FICO® Score at No Charge – and Keep Moving Toward your Goals

As a PNC cardholder, you can check your FICO® Score online as often as you’d like within PNC Online Banking. There’s no charge, and you’ll also learn about 2 key factors that have impacted your score.


Use Custom Text Alerts to Stay Connected

Set up PNC Alerts and we’ll text[2] or email you about important credit card activity – like when your payment is due, or each time a transaction posts to your account.


Benefits & Features

Look forward to exceptional service and a convenient, secure way to pay – included with every PNC credit card.

Meet PNC Pay® – The Quick, Secure Way to Check Out

As a PNC cardholder, you can use your mobile device[2] to simplify the way you pay for things at stores – it’s easy to set up and easy to use.


Shopping Online? Pay with Visa®
Ditch the hassle of re-entering payment and shipment information at your favorite online stores.

Learn more about Digital Payments »


Our Highest Level of Security Comes Standard

Here are just a few of the ways you’re protected:

  • Zero Liability Fraud Protection – You’re 100% protected against verified unauthorized purchases due to fraud or identity theft[3]
  • Security Alerts – We’ll notify you right away via text or email if we detect fraudulent or suspicious activity

Count on 24/7 U.S.-based service
Our highly trained credit card specialists are standing by around the clock, ready to serve you.

Find the Right Credit Card For You

If you’re ready to apply for a credit card, we have three great options. Each one comes with all of the benefits and features listed above – including access to your FICO® Score at no charge.

Get Cash Back[4]

PNC Cash Rewards®Visa®

  • 4% cash back on gas station purchases
  • 3% cash back on dining purchases at restaurants
  • 2% cash back on grocery store purchases
  • 1% cash back on all other purchases
  • No annual fee


Rates and Fees
Rewards Program Terms and Conditions

Earn Rewards

PNC Points® Visa®

  • 4 points per $1 spent on everyday purchases[1]
  • Redeem for thousands of rewards, including gift cards, tablets and phones, electronics and accessories
  • No annual fee


Rates and Fees
Rewards Program Terms and Conditions

Lower Rates

PNC Core® Visa®

  • Our LOWEST intro rate on purchases[1] for the first 15 billing cycles
  • Our LOWEST intro rate on balance transfers for the first 15 billing cycles
  • No annual fee




Rates and Fees

Important Legal Disclosures & Information

  1. The term “purchases” does not mean every transaction you make with your credit card.  Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers are excluded.

  2. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  3. Limitations apply.  Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.

  4. You'll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.

Pursuant to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the credit card agreements below were submitted to the Federal Reserve Board.  These agreements were effective as of June 30, 2021.  If you are applying for a credit card now, the terms of the account you are applying for may be different from those terms and conditions in the agreements posted below.

PNC Cash Rewards, PNC Core, and PNC points are registered marks of The PNC Financial Services Group, Inc. 

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

PNC Pay is a registered mark of The PNC Financial Services Group, Inc.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.

PNC Bank credit cards are subject to credit approval. 

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

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.