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March 9, 2022
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This article was last updated March 9, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
The PNC Points® Visa® Credit Card is our pick for overall best PNC credit card, thanks to its generous flat rewards rate, valuable sign-up bonus, intro APR offer on purchases and balance transfers and $0 annual fee.
PNC offers a variety of consumer and business credit card products, including rewards cards, low APR cards, travel cards, $0 annual fee cards and more. Based on our research of cards available through LendingTree and on PNC’s site, these are our top picks for the best PNC credit cards for the following categories:
The PNC Points® Visa® Credit Card is a well-rounded card that offers a generous rewards rate and an intro APR on purchases and balance transfers.
Cardholders earn 4 points per $1 on purchases. Plus, earn 50,000 bonus points after you make $750 in purchases during the first 3 billing cycles following account opening. Points can be redeemed for cash, travel, merchandise, gift cards and more.
The PNC Points® Visa® Credit Card also offers an intro APR of "0% introductory APR for the first 12 billing cycles following account opening". After that, a 15.99% to 27.99% variable APR applies.
Additionally, cardholders receive an intro APR on balance transfers of "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". After that, a 15.99% to 27.99% variable APR applies.
There is a balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
The PNC Points® Visa® Credit Card charges a $0 annual fee.
If you don’t want the hassle of keeping track of spending categories that earn a higher rewards rate or rewards earning caps, the PNC Points® Visa® Credit Card is a solid option, since it offers a flat rewards rate on every purchase. Additionally, the card provides the opportunity to earn up to 75% bonus points on your base points when you maintain an eligible PNC account and meeting the minimum requirements.
The PNC Points® Visa® Credit Card offers an interest-free period on purchases and balance transfers for a year. Just know, if you plan to transfer a balance from a high-interest card to the PNC Points® Visa® Credit Card, we recommend that you focus on paying your balance in full within the promotional period before earning rewards. This can help you avoid accumulating even more debt.
The PNC Points® Visa® Credit Card is a well-rounded card that offers a generous rewards rate and an intro APR on purchases and balance transfers.
Cardholders earn 4 points per $1 on purchases. Plus, earn 50,000 bonus points after you make $750 in purchases during the first 3 billing cycles following account opening. Points can be redeemed for cash, travel, merchandise, gift cards and more.
The PNC Points® Visa® Credit Card also offers an intro APR of "0% introductory APR for the first 12 billing cycles following account opening". After that, a 15.99% to 27.99% variable APR applies.
Additionally, cardholders receive an intro APR on balance transfers of "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". After that, a 15.99% to 27.99% variable APR applies.
There is a balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
The PNC Points® Visa® Credit Card charges a $0 annual fee.
If you don’t want the hassle of keeping track of spending categories that earn a higher rewards rate or rewards earning caps, the PNC Points® Visa® Credit Card is a solid option, since it offers a flat rewards rate on every purchase. Additionally, the card provides the opportunity to earn up to 75% bonus points on your base points when you maintain an eligible PNC account and meeting the minimum requirements.
The PNC Points® Visa® Credit Card offers an interest-free period on purchases and balance transfers for a year. Just know, if you plan to transfer a balance from a high-interest card to the PNC Points® Visa® Credit Card, we recommend that you focus on paying your balance in full within the promotional period before earning rewards. This can help you avoid accumulating even more debt.
The PNC Core® Visa® Credit Card offers the longest interest-free period on purchases and balance transfers of any PNC consumer card.
Cardholders receive an intro APR of "0% introductory APR for the first 15 billing cycles following account opening". After that, a 13.99% to 25.99% variable APR applies.
The PNC Core® Visa® Credit Card also offers an intro APR on balance transfers of "0% introductory APR for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" on balance transfers, then 13.99% to 25.99% variable APR applies.
The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
If you need to finance a large purchase and pay it off over time or transfer high-interest debt from another credit card, the PNC Core® Visa® Credit Card offers an intro APR on purchases and balance transfers for more than a year.
Once the interest-free periods end, the card has a very reasonable ongoing APR of 13.99% to 25.99% variable.
This card does not offer rewards for the purchases you make, but it does come with a $0 annual fee.
The PNC Core® Visa® Credit Card offers the longest interest-free period on purchases and balance transfers of any PNC consumer card.
Cardholders receive an intro APR of "0% introductory APR for the first 15 billing cycles following account opening". After that, a 13.99% to 25.99% variable APR applies.
The PNC Core® Visa® Credit Card also offers an intro APR on balance transfers of "0% introductory APR for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" on balance transfers, then 13.99% to 25.99% variable APR applies.
The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
If you need to finance a large purchase and pay it off over time or transfer high-interest debt from another credit card, the PNC Core® Visa® Credit Card offers an intro APR on purchases and balance transfers for more than a year.
Once the interest-free periods end, the card has a very reasonable ongoing APR of 13.99% to 25.99% variable.
This card does not offer rewards for the purchases you make, but it does come with a $0 annual fee.
With the PNC Cash Rewards® Visa® Credit Card, cardholders 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 in these categories annually. 1% cash back on purchases everywhere, every time.
It also offers a generous sign-up bonus: PNC will match the cash back rewards you earn under the PNC Cash Rewards Program during the first year after account opening.
Cash back can be redeemed at any time (if you have at least $25 in your PNC Cash Rewards account) in the form of a statement credit or deposited into a qualifying PNC account.
The PNC Cash Rewards® Visa® Credit Card does not offer an intro APR on purchases. But there is an intro APR on balance transfers of "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening." on balance transfers. After that, a 17.74% to 28.74% variable APR applies.
The $0 annual fee card charges a balance transfer fee of either $5 or 3% of the amount of each balance transfer during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
If you want to earn cash back rewards in popular everyday spending categories, like gas, groceries and dining, the PNC Cash Rewards® Visa® Credit Card could be a good fit.
Just know, the elevated cash back rate at gas stations, grocery stores and dining at restaurants is capped at $8,000 in combined purchases per year. After that, those purchases will only earn 1% back.
Additionally, since the PNC Cash Rewards® Visa® Credit Card does not offer an intro APR on purchases, you will be subject to interest charges at an APR of 17.74% to 28.74% variable if you carry a balance on your card from month to month.
With the PNC Cash Rewards® Visa® Credit Card, cardholders 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 in these categories annually. 1% cash back on purchases everywhere, every time.
It also offers a generous sign-up bonus: PNC will match the cash back rewards you earn under the PNC Cash Rewards Program during the first year after account opening.
Cash back can be redeemed at any time (if you have at least $25 in your PNC Cash Rewards account) in the form of a statement credit or deposited into a qualifying PNC account.
The PNC Cash Rewards® Visa® Credit Card does not offer an intro APR on purchases. But there is an intro APR on balance transfers of "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening." on balance transfers. After that, a 17.74% to 28.74% variable APR applies.
The $0 annual fee card charges a balance transfer fee of either $5 or 3% of the amount of each balance transfer during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.
If you want to earn cash back rewards in popular everyday spending categories, like gas, groceries and dining, the PNC Cash Rewards® Visa® Credit Card could be a good fit.
Just know, the elevated cash back rate at gas stations, grocery stores and dining at restaurants is capped at $8,000 in combined purchases per year. After that, those purchases will only earn 1% back.
Additionally, since the PNC Cash Rewards® Visa® Credit Card does not offer an intro APR on purchases, you will be subject to interest charges at an APR of 17.74% to 28.74% variable if you carry a balance on your card from month to month.
PNC Premier Traveler® Visa Signature® Credit Card holders earn 2 miles for every $1 in purchases. Additionally, earn 30,000 bonus miles after you make $3,000 in purchases during the first 3 billing cycles.
Along with redeeming for cash or travel-related gift cards, rewards can be used to cover travel purchases you’ve already made or to book new travel.
The PNC Premier Traveler® Visa Signature® Credit Card offers an intro APR on balance transfers of "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". Then, a 18.99%% variable applies.
There is a balance transfer fee of 3% of the amount of each balance transfer, as well as a $0 intro annual fee for the first year, then $85.
If you want to earn a lump sum of rewards to help offset the cost of travel, the PNC Premier Traveler® Visa Signature® Credit Card could be a good choice, since it offers a sign-up bonus as well as miles on every purchase.
Miles can be used to book custom vacations, cruises, travel packages and more through the PNC Rewards Center in online banking or with a PNC customer care representative. You can also redeem your miles as statement creditsto cover previously purchased travel.
The PNC Premier Traveler® Visa Signature® Credit Card comes with a number of travel related benefits and protections, including lost luggage reimbursement, travel accident insurance, roadside dispatch and exclusive hotel perks.
But beware, if you need to finance a vacation and pay it off over time, you will be subject to interest charges at an APR of 18.99% variable, since the card does not offer an intro APR on purchases.
PNC Premier Traveler® Visa Signature® Credit Card holders earn 2 miles for every $1 in purchases. Additionally, earn 30,000 bonus miles after you make $3,000 in purchases during the first 3 billing cycles.
Along with redeeming for cash or travel-related gift cards, rewards can be used to cover travel purchases you’ve already made or to book new travel.
The PNC Premier Traveler® Visa Signature® Credit Card offers an intro APR on balance transfers of "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". Then, a 18.99%% variable applies.
There is a balance transfer fee of 3% of the amount of each balance transfer, as well as a $0 intro annual fee for the first year, then $85.
If you want to earn a lump sum of rewards to help offset the cost of travel, the PNC Premier Traveler® Visa Signature® Credit Card could be a good choice, since it offers a sign-up bonus as well as miles on every purchase.
Miles can be used to book custom vacations, cruises, travel packages and more through the PNC Rewards Center in online banking or with a PNC customer care representative. You can also redeem your miles as statement creditsto cover previously purchased travel.
The PNC Premier Traveler® Visa Signature® Credit Card comes with a number of travel related benefits and protections, including lost luggage reimbursement, travel accident insurance, roadside dispatch and exclusive hotel perks.
But beware, if you need to finance a vacation and pay it off over time, you will be subject to interest charges at an APR of 18.99% variable, since the card does not offer an intro APR on purchases.
The PNC Cash Rewards® Visa Signature® Business Credit Card offers 1.5% cash back on net purchases. Additionally, earn $200 bonus when you make $3,000 in qualifying net purchases during the first 3 billing cycles following account opening.
Rewards can be redeemed at anytime as a statement credit, or deposited into an eligible PNC Business checking or savings account.
The PNC Cash Rewards® Visa Signature® Business Credit Card comes with an intro APR of Introductory 0% APR for the first 9 billing cycles following account opening.. After that, a 13.99% to 22.99% variable APR applies. There is no intro APR on balance transfers.
The PNC Cash Rewards® Visa Signature® Business Credit Card is geared toward small business owners who want to earn a flat, cash back rate on every purchase.
Just know, if you want to transfer a balance to the card, you will be subject to interest charges at an APR of 13.99% to 22.99% variable, since the card does not offer an interest-free period on balance transfers. Additionally, there’s a balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater.
To apply for the PNC Cash Rewards® Visa Signature® Business Credit Card, you’ll need to provide your company tax ID and company annual revenue, as well as your Social Security number, monthly housing payment and gross annual income.
The PNC Cash Rewards® Visa Signature® Business Credit Card offers 1.5% cash back on net purchases. Additionally, earn $200 bonus when you make $3,000 in qualifying net purchases during the first 3 billing cycles following account opening.
Rewards can be redeemed at anytime as a statement credit, or deposited into an eligible PNC Business checking or savings account.
The PNC Cash Rewards® Visa Signature® Business Credit Card comes with an intro APR of Introductory 0% APR for the first 9 billing cycles following account opening.. After that, a 13.99% to 22.99% variable APR applies. There is no intro APR on balance transfers.
The PNC Cash Rewards® Visa Signature® Business Credit Card is geared toward small business owners who want to earn a flat, cash back rate on every purchase.
Just know, if you want to transfer a balance to the card, you will be subject to interest charges at an APR of 13.99% to 22.99% variable, since the card does not offer an interest-free period on balance transfers. Additionally, there’s a balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater.
To apply for the PNC Cash Rewards® Visa Signature® Business Credit Card, you’ll need to provide your company tax ID and company annual revenue, as well as your Social Security number, monthly housing payment and gross annual income.
The PNC Visa® Business Credit Card offers a long "Introductory 0% APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". After that, a 12.99% to 22.99% variable APR applies.
The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.
Keep in mind, however, that while the PNC Visa® Business Credit Card offers a very reasonable ongoing APR, it does not offer an intro APR on purchases or a rewards program.
If you’ve racked up a large amount of high-interest credit card debt on business expenses, a business credit card that offers an intro APR on balance transfers, like the PNC Visa® Business Credit Card, could help you pay down that debt faster during the interest-free period.
Additionally, once the promotional period ends, the card has a low ongoing APR of 12.99% to 22.99% variable.
The PNC Visa® Business Credit Card charges a $0 annual fee.
The PNC Visa® Business Credit Card offers a long "Introductory 0% APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". After that, a 12.99% to 22.99% variable APR applies.
The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.
Keep in mind, however, that while the PNC Visa® Business Credit Card offers a very reasonable ongoing APR, it does not offer an intro APR on purchases or a rewards program.
If you’ve racked up a large amount of high-interest credit card debt on business expenses, a business credit card that offers an intro APR on balance transfers, like the PNC Visa® Business Credit Card, could help you pay down that debt faster during the interest-free period.
Additionally, once the promotional period ends, the card has a low ongoing APR of 12.99% to 22.99% variable.
The PNC Visa® Business Credit Card charges a $0 annual fee.
| Credit Card | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer Rate | Regular Balance Transfer Rate | Balance Transfer Fee | Recommended Credit | Card Review |
|---|---|---|---|---|---|---|---|---|---|---|
|
PNC Points® Visa® Credit Card
|
50,000 bonus points after you make $750 in purchases during the first 3 billing cycles following account opening | Earn 4 points per $1 on purchases | $0 | "0% introductory APR for the first 12 billing cycles following account opening" | 15.99% to 27.99% variable | "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" | 15.99% to 27.99% variable | Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater | Excellent/Good | Review Coming Soon |
|
PNC Core® Visa® Credit Card
|
N/A | N/A | $0 | "0% introductory APR for the first 15 billing cycles following account opening" | 13.99% to 25.99% variable | "0% introductory APR for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" | 13.99% to 25.99% variable | Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater | Excellent/Good | Review Coming Soon |
|
PNC Cash Rewards® Visa® Credit Card
|
PNC will match the cash back rewards you earn under the PNC Cash Rewards Program during the first year after account opening. | 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 in these categories annually. 1% cash back on purchases everywhere, every time. | $0 | N/A | 17.74% to 28.74% variable | "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening." | 17.74% to 28.74% variable | Either $5 or 3% of the amount of each balance transfer during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater. | N/A | Review Coming Soon |
|
PNC Premier Traveler® Visa Signature® Credit Card
|
30,000 bonus miles after you make $3,000 in purchases during the first 3 billing cycles | 2 miles for every $1 in purchases | $0 intro annual fee for the first year, then $85 | N/A | 18.99% variable | "0% introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" | 18.99%% variable | 3% of the amount of each balance transfer | Excellent/Good | Review Coming Soon |
|
PNC Cash Rewards® Visa Signature® Business Credit Card
|
$200 bonus when you make $3,000 in qualifying net purchases during the first 3 billing cycles following account opening | 1.5% cash back on net purchases | $0 | Introductory 0% APR for the first 9 billing cycles following account opening. | 13.99% to 22.99% variable | N/A | 13.99% to 22.99% variable | Either $5 or 3% of the amount of each balance transfer, whichever is greater | Excellent/Good | Review Coming Soon |
|
PNC Visa® Business Credit Card
|
N/A | N/A | $0 | N/A | 12.99% to 22.99% variable | "Introductory 0% APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening" | 12.99% to 22.99% variable | Either $5 or 3% of the amount of each balance transfer, whichever is greater. | Excellent/Good | PNC Visa® Business Credit Card Review |
The information related to the PNC Points® Visa® Credit Card, PNC Core® Visa® Credit Card, PNC Cash Rewards® Visa® Credit Card, PNC Premier Traveler® Visa Signature® Credit Card, PNC Cash Rewards® Visa Signature® Business Credit Card and PNC Visa® Business Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
To select the best PNC credit card, our credit card experts compared cards offered on PNC’s site and LendingTree.com, including cash back cards, low APR cards, travel cards and business cards.
We then chose our top pick for each category based on a variety of factors, like rewards rates, value of sign-up bonuses, 0% intro APR offers, annual fees and more. We also looked at the benefits offered by each card, such as purchase protection, travel insurances and account management tools.
Before deciding which PNC card is best for you, you should first determine how you plan to use the card. For example, if you want to earn a generous cash back rate on everyday purchases, like gas and groceries, the PNC Cash Rewards® Visa® Credit Card could be a good fit. But if you have a large amount of high-interest credit card debt that you’re struggling to pay down, a card with an intro APR on balance transfers, like the PNC Core® Visa® Credit Card, may be a better choice.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
