PNC Spend Wise, PNC Cash Unlimited and PNC Cash Rewards are registered marks of The PNC Financial Services Group, Inc.
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.
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.
Featured APR Offer:
0% Intro APR for 15 months on balance transfers made within 90 days of account opening, then a variable APR from 18.74% to 28.74%.
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
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:
0% Intro APR for 18 months on purchases and on balance transfers made within 90 days of account opening, then a variable APR from 19.74% to 27.74%.
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).
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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 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.