PNC Spend Wise, PNC Cash Unlimited and PNC Cash Rewards are registered marks of The PNC Financial Services Group, Inc.
PNC Personal Credit Cards
PNC Personal Credit Cards
Pick the credit card that's right for you.
PNC Cash Rewards®
Maximize your cash back
$0 Annual Fee*
Minimum credit line of $500.
Featured APR Offer:
Get a low introductory APR on balance transfers.*
Earn a $250 bonus after making $1,000 in purchases in the first 3 months.
Cash back on every purchase:
4% at gas stations
3% at restaurants
2% at grocery stores
1% on all other purchases
Intro APR Offer
Save more with a 0% introductory APR on balance transfers.*
After $8,000 in annual combined purchases eligible for 4%, 3%, and 2% cash back, you'll earn 1% on all purchases.
PNC Cash Unlimited®
Earn unlimited 2% cash back
$0 Annual Fee*
Minimum credit line of $5,000.
Featured APR Offer:
PNC Spend
Wise®
Unlock a lower purchase APR
$0 Annual Fee*
Minimum credit line of $500.
Featured APR Offer:
Get a low introductory APR on balance transfers and purchases.*
Low intro APR on balance transfers & purchases
Purchase APR Reduction Program
Cell Phone Protection, Porch Piracy Protection, and Price Protection[7]
Establish and strengthen your credit. Open your account in a branch with a refundable security deposit ($300-$2,500).
Find the best card that fits your needs.
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Calculate which cash back card is right for you
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 January 31st, 2026. 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.