Student Credit Card Education Center

Learn about using credit cards responsibly, as well as the benefits & features of our credit cards.

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Credit 101: Student Guide to Understanding Credit

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.

2 min read


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.

3 min read


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.

3 min read

Managing Your Account

We provide convenient and secure options for taking control of your money and managing your account.

Start Here: Online Banking

PNC Online Banking makes it easy to set up your account for success. It’s the free way to stay connected to your account how and when you want.[1]



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.


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 as soon as possible if you think there is an unauthorized transaction or you believe there is a mistake on your statement.



Sync up with Virtual Wallet Student®

If you have a Virtual Wallet Student, you can seamlessly add your PNC credit card to your Calendar and see your transactions automatically sorted in Spending + Budgets.



Use Custom Text Alerts to Stay Connected

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


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.


Benefits & Features

Look forward to exceptional service and a convenient way to pay –
included with every PNC credit card[3]

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

As a PNC cardholder, you can use the PNC Mobile App[4] on eligible Android™ devices[5] to simplify the way you pay for things at stores – it’s easy to set up and use.[3]

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 – If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use.[6]
  • PNC Alerts – Stay informed by setting up alerts and easily monitor your accounts via email or text message.


Dedicated U.S.- based service

We are available 7 days a week to serve you.

Find the Right Credit Card For You

If you’re ready to apply for a credit card, we have great options.

PNC Cash Rewards®
Visa® Credit Card



Rates and Fees
Rewards Program Terms and Conditions


  • Earn 4% on gas station purchases 
  • Earn 3% on dining purchases at restaurants, including fast food
  • Earn 2% on grocery store purchases
  • Earn 1% on all other purchases

You'll earn at least 1% cash back on purchases[7] 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.[8]

Cash back is automatic - there's no need to enroll or track rotating categories.[9]

PNC Core® Visa®
Credit Card



Rates and Fees*


  • Save on interest with 0% Intro APR on balance transfers for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.*
  • Save on interest with 0% Intro APR on purchases for the first 15 billing cycles following account opening.*
  • After that then a variable balance transfer and purchase APR , currently 10.99% to 22.99%, based on creditworthiness, will apply. These APRs vary with the market based on the prime rate.*
  • No annual fee*

Explore Card Details »

PNC points® Visa®
Credit Card



Rates and Fees*
Rewards Program Terms and Conditions**


  • Earn 4 points for every $1 in purchases**[7]
  • Earn even more points with PNC Virtual Wallet® or an eligible PNC Checking account when you meet additional requirements**
  • Redeem your points for thousands of valuable rewards – including cash, name brand merchandise, travel, and more
  • No annual fee*
  • Introductory offer on purchases and balance transfers*

Explore Card Details »

PNC Secured Visa®
credit card


Locate a Branch


  • Open your account with a refundable security deposit ($300-$2,500). If approved, the security deposit will be used to establish your new credit limit.
  • Establish, strengthen or build your credit – use this card responsibly and over time it can improve your overall credit score.
  • The PNC Bank Visa® Secured Credit Card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.

Important Legal Disclosures & Information

  1. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

  2. PNC Alerts are free to customers. 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.

  3. PNC MasterCard® and commercial credit cards are not eligible at this time.

  4. 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. 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.

  5. Eligible Android devices must have an NFC antenna to be eligible. Please refer to the list of eligible devices on the Google pay page.

  6. 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.

  7. 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.

  8. The $8,000 annual cap resets each year on your anniversary date, not at the beginning of each calendar year. Your anniversary date is the date your account is enrolled in the PNC Cash Rewards Program, and the same month/day each year thereafter. For example, if your account was enrolled in the program on June 17, 2021, your anniversary date in 2022 is June 17, 2022.

  9. Some purchases of groceries, gas or food may only qualify for 1% cash back. That is because the cash back earned on a purchase is determined by the merchant category code assigned to a merchant. The merchant category code is based on the merchant’s type of business and is assigned by the merchant’s credit card processor. PNC Bank does not assign merchant category codes. For details, please refer to the PNC Cash Rewards Program Terms and Conditions available at

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 December 31, 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.

Android and Google Pay are trademarks of Google LLC.

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

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

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

Virtual Wallet  and Virtual Wallet Student are registered trademarks of The PNC Financial Services Group, Inc.

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

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.