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Card Center

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

Earn $200

PNC Cash Rewards Visa Credit Card

$0 annual fee.**

Must qualify for a minimum credit line of $500[1]

PNC Cash Rewards® Visa® Credit Card

  • You'll receive a $200 Bonus[2] after you make $1,000 or more in purchases[3] during the first 3 months following account opening. Offer available when applying through a link on a page on which the bonus is offered. Bonus eligibility restriction: Only one new account opening bonus on a PNC Cash Rewards credit card per customer within a 24-month period.[4]
  • Cash back[5] is automatic - there's no need to enroll or track rotating categories.
  • Cell phone protection available. Limitations apply.[6]

cash back on gas station purchases

cash back on dining purchases at restaurants

cash back on grocery store purchases

cash back on all other purchases

You'll earn at least 1% cash back on purchases[3] 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[7] in these categories annually.[5]

Not what you're looking for? Check out our other products! 

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 even 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 — ExperianTransUnion, and Equifax — keep credit information about you that is used to calculate your FICO scores. 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 affect 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 a glimpse 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. Keep track of your score and review it for inaccuracies with these tips.

Benefits & Features

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

PNC has got you covered with many more ways to pay.

Digital wallets provide ease and convenience when making payments. Add your eligible PNC Visa® card[8] to a digital wallet to shop in-store, in-app or online with your mobile or wearable device.

Dedicated Customer Service

We are available 7 days a week to serve you.

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, you will not be responsible for unauthorized charges on your account if you notify PNC promptly.[9]
  • PNC Alerts – Stay informed by setting up alerts and easily monitor your accounts via email or text message.[10]

Manage Your Account

We provide convenient 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.[11]

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 and see your transactions automatically sorted in
Spending + Budgets.

Pick Your Own Payment Due Date

For extra convenience, PNC lets you select when your payment is due.[12] Simply choose a date that works best for your schedule
and budget.

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.[9]

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.

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.[10] There’s no charge, and you’ll also learn about 2 key factors that have impacted your score.

Have Questions?

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