PNC Spend Wise is a service mark of The PNC Financial Services Group, Inc.
PNC Personal
Credit Cards
Pick the credit card that's right for you.
PNC Personal Credit Cards
PNC Personal Credit Cards
Limited Time Offer:
Earn a $250 bonus with a Cash Rewards® card
Pick the credit card that's right for you.
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PNC Cash Rewards®
Maximize your cash back
$0 Annual Fee*
Earn $250 after you make $1,000 or more in purchases during the first 3 months following account opening. Offer ends 5/15.
Enjoy cash back on purchases **:
4% on gas station purchases
3% on restaurant purchases
2% on grocery store purchases
For the first $8,000 in combined purchases in the above three categories annually
Earn 1% cash back on all other purchases
Must qualify for a minimum credit line of $500.
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
PNC Cash Unlimited®
Earn unlimited 2% cash back on purchases
Must qualify for a minimum credit line of $5,000.
PNC Spend WiseSM
Unlock a lower purchase APR over time
Must qualify for a minimum credit line of $500.
PNC Secured
Establish and build your credit
$0 Annual Fee*
- Start, build, and strengthen your credit
- Determine your own credit limit with a refundable security deposit
- Improve your credit score with responsible use
Open your card in person at a PNC Branch near you.
Maximize your cash back
Earn $250 after you make $1,000 or more in purchases during the first 3 months following account opening. Offer ends 5/15.
Enjoy cash back on purchases **:
4% on gas station purchases
3% on restaurant purchases
2% on grocery store purchases
For the first $8,000 in combined purchases in the above three categories annually
Earn 1% cash back on all other purchases
Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
You Get Our Highest Level of Protection. Always.
Unlock a lower purchase APR over time
- Low intro APR on balance transfers & purchases
- Purchase APR Reduction Program
- Cell Phone Protection, Porch Piracy Protection, and Price Protection[7]
Establish and build your credit
- Start, build, and strengthen your credit
- Determine your own credit limit with a refundable security deposit
- Improve your credit score with responsible use
Find the best card that fits your needs.
Respond to your mail offer
See if you're pre-approved before applying
without impacting your credit score.
You Get Our Highest Level of Protection. Always.
Calculate which cash back card is right for you
Resources for You
Resources 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 December 31st, 2025. 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.