To be eligible for bonus offers, you must not have opened the same credit card product and received a bonus in connection with account opening within the last 24 months. For example, if you opened a PNC Cash Rewards credit card on January 15, 2023, and subsequently received a bonus in connection with account opening, then you are ineligible for an account opening bonus on any other PNC Cash Rewards credit card opened before January 15, 2025, subject to other terms and conditions.
Personal Credit Cards
We have a card for every need: Cash Back. Low Rates. Rewards.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period. See below for details.[1]
PNC Cash Rewards® Visa®
Credit Card
Maximize Your Cash Back....Every Day
- Earn at least 1% cash back on purchases[2] everywhere. 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[3] in these categories annually.*
- You'll receive a $200 Bonus[1,4] after you make $1,000 or more in purchases[2] during the first 3 billing cycles following account opening.
- Cash back[5] is automatic - there's no need to enroll or track rotating categories.
- Cell phone protection included. Limitations apply.[6]
- $0 annual fee.**
Earn $200
PNC Core® Visa® Credit Card
Save with Low Rates
- Purchase Offer: Enjoy 0% introductory APR on purchases for the first 15 billing cycles following account opening. Then a variable APR, currently 16.24% to 28.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
- Save on interest and pay off higher rate cards with our LOWEST introductory rate on balance transfers.**
- Additional savings on interest with our LOWEST intro rate on purchases.**
- Cell phone protection included. Limitations apply.[6]
- $0 annual fee.**
PNC points® Visa® Credit Card
Earn points For Exciting Rewards
Earn 50,000 Points
- You'll get 50,000 bonus points[1,4] after you make $750 or more in purchases[2] during the first 3 billing cycles following account opening.
- Earn 4 points for every $1 in purchases.*[2]
- 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.
- Cell phone protection included. Limitations apply.[6]
- $0 annual fee.**
- Introductory offer on purchases and balance transfers.**
Earn 50,000 Points
PNC Secured Visa® credit card
Establish and Strengthen Your Credit
- 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 Secured Visa® credit card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
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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 30th, 2023. 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.