PNC Bank is one of the major banks in the United States. Therefore, it shouldn’t be surprising that there is a solid collection of PNC credit cards, and we will review all worthwhile options in our article.
Best Credit Cards from PNC Bank
Even though PNC Bank does not offer such a variety of credit cards as the Big Four Banks do, it still has quite lucrative credit cards on offer. In our review, we will look into the details of the PNC credit cards in three categories: rewards, pay off debt (0% intro APR period), and travel.
PNC Cash Rewards Visa Credit Card
Annual fee: $0.
Purchase APR: from 13.74% to 23.74%.
Recommended credit score: from 680 to 850.
Most suitable for: customers who usually don’t spend a lot, but focus predominately on groceries, gas purchases, and dining out
Credit card features:
- 2% cash back on purchases made at grocery stores.
- 3% cash back on purchases at restaurants (including fast food restaurants).
- 4% cash back on gas purchases.
- The rewards listed above are capped at $8,000 in combined accounts every year.
- 1% cash back on all other purchases.
- You will receive a $100 welcome bonus if you manage to spend $1,000 within the first 3 months.
This rewards credit card from PNC Bank would be an ideal choice for low spenders. That can be explained by the simple fact that it comes without an annual fee and any commitments, while offering ample rewards in exchange. It’s exactly low spenders – especially those who frequently buy something at restaurants, groceries, and make gas purchases – who can squeeze the maximum benefits of this credit card.
By default, this credit card offers only a cash back rewards rate of mere 1% on all purchases you make, which is rather lower than the market average. However, that’s not because of that feature this credit card is that good. The card offers a cash back rewards rate of 2% on groceries, of 3% on purchases at restaurants, and of 4% on gas purchases. And such worthwhile benefits draw many customers to apply for this credit card.
The only disadvantage of such a rather high rewards rate is that there is an annual cap of $8,000 for the rewards of 2-4%. Once the cap has been reached, all cash back rewards will be equal to only 1%. And while this credit card will be perfectly suitable for low spenders, it may be senseless to suggest it for big spenders who would reach the limit of $8,000 within 1 or 2 months. In such a case, some Chase Freedom Unlimited card would seem far more suitable.
However, there is a way how even big spenders can benefit from having PNC Cash Rewards Visa Card – especially those who purchase large amounts of gas. One may apply for this credit card and use it as a secondary credit card solely for purchasing gas. Considering that there is no annual fee, that seems as a nice option. If you, for example, spend $8,000 on gas purchases with this credit card, you will get $320 back in the form of cash back.
Additionally, this credit card from PNC Bank also offers a welcome bonus of $100, which you will get if you manage to spend $1,000 within the first 90 days. However, that is a comparatively low bonus, whereas PNC’s competitors offer far better welcome bonuses. For instance, Chase Freedom Unlimited offers a bonus of $150 only for spending $500, while Wells Fargo Cash Wise offers a welcome bonus of $200 after spending $1,000.
But despite the fact that the welcome bonus is not so generous as one would expect, this PNC credit card comes with solid advantages and benefits. And even if you have a better card that you want to keep as a primary credit card, you can apply for this card anyway. In such a way, you will benefit a lot from making gas purchases or, at worst, dining out.
PNC Core Visa Credit Card
Annual fee: $0.
Purchase APR: from 11.74% to 21.74%.
Recommended credit score: from 650 to 850.
Most suitable for: customers who have a large outstanding debt they want to pay off.
Credit card features:
- 0% intro APR period during on balance transfers and purchases the first 15 months.
- Zero fraud liability.
- Dedicated customer service in the United States.
- Automatic travel & emergency protection.
- 3% foreign transaction fee.
This credit card from PNC Bank is aimed at the customers who have a large outstanding debt they want to pay off. And once again, PNC surprises us with the favorable conditions offered by its credit card. All in all, this credit card can be definitely good for that purpose, and in this review we will disclose why.
First of all, this PNC card comes without commitments and an annual fee. This means that you can apply for this Core Visa Card and use it as a secondary credit card for consolidating your debt. Secondly, it comes with a relatively low APR, which appears to be 11.74% on the low side. Zero fraud liability and automatic travel & emergency protection are nice features as well.
But the most important thing about PNC Core Visa Card is that it comes with a 15-month long 0% intro APR period on both balance transfers and purchases. It means that you can transfer your outstanding debt to this credit card from PNC and pay it off faster, whereas you will not have to pay the interest rate during this 15-month long period. Keep in mind, however, that balance transfers come with a fee, which is either 3% or $5 (whichever is higher).
But even if you don’t have an outstanding debt you need to pay off, there is another way how you can use this PNC credit card. Instead of using its intro APR period on balance transfers, you can use it for making large purchases with 0% APR period. So, if you are planning to make big purchases anytime soon, you might use this opportunity and apply for this card in order to get a 15-month long 0% APR period on purchases.
Eventually, one may sum up that PNC Core Visa Credit Card is a decent credit card on the market. It offers a long 0% intro APR period on balance transfers and purchases, which allows you to deal with your debts. And even though some credit cards (like Wells Fargo Platinum Visa) offer longer intro APR periods, the offer from PNC is quite a decent one. After all, several useful features of this credit card come along, and you may definitely consider applying for the card.
PNC Premier Travel Visa Signature Credit Card
Annual fee: $0 for the first year, $85 the following years.
Purchase APR: from 17.24%.
Recommended credit score: from 700 to 850.
Most suitable for: customers who spend a lot on travels.
Credit card features:
- 24/7 Visa Signature concierge.
- Earn 2 miles for every $1 you spend anywhere.
- Travel protection features.
- Exclusive perks at more than 900 hotels that partner with Visa Signature.
- Zero fraud liability.
- 0% foreign transaction fee.
This is the only travel credit card issued by PNC Bank. And even though it comes with decent perks, one should carefully weigh whether the card is worth it, because – once the first year passes – you will be charged $85 per year for this card. But one may state for sure that this credit card is perfectly suitable for avid travelers.
So, to begin with, one must mention that this PNC credit card comes with an introductory annual fee of $0 during the first year, which gets raised then up to $85. In exchange, the credit card offers a number of perks, the most important of which is the miles you get. For every purchase you make, you will get 2 miles for each dollar spent. That’s a pretty good deal, but there are nuances.
You are able to redeem miles towards past and future travel purchases, including flights and hotels. We highly recommend you to do redeem your miles exactly towards travel purchases, because (depending on the deal) the actual rewards rate will be somewhere from 2 to 5%. But if you decide to redeem the miles towards cash, then you will get only the mere 1% of rewards. Even Chase Freedom Unlimited (which comes without an annual fee) would offer a better rewards rate.
Naturally, PNC Premier Travel Visa Signature also comes with a number of other perks, including 0% foreign transaction fee and travel protection features. These travel protection features include roadside dispatch, travel accident insurance, travel & emergency assistance services, auto rental collision damage waiver, and lost luggage reimbursement. There is also a feature of Visa Signature concierge. After all, you get exclusive perks at more than 900 hotels around the world, including such bonuses like VIP Guest status, best available rate guarantee, 3PM check-out (when available), automatic room update upon arrival (when available), and a number of other cardmember-only benefits and features.
To sum up, this is a decent credit card from PNC Bank and is likely to be suitable for you in case you tend to travel a lot. However, one must carefully evaluate whether the card is worth it in each particular case. Whereas one individual may get more than $600 back in benefits, the other may not see the annual fee to be paid off.
How to Log In To PNC Credit Card Account
Once you have got a credit card from PNC Bank, that means that you can enroll in the PNC online banking program. That will allow you to manage your credit card online, and we will guide you through this process at this point of our article.
This is the way how you can access your credit card account with PNC Bank online:
- In the first place, you should go to the following webpage: https://www.pnc.com/.
- On the webpage of that bank, you will notice the orange online banking form, placed on the right side of the page.
- Start entering the username of your online banking account in the first field of that form.
- Next, type your password in the second field of that form.
- You are also able to check the box next to “Save User ID” and save your username for the future session.
- Eventually, you can click on the “Login” button and access your credit card account.
How to Apply for a PNC Credit Card Online
If you still don’t have a PNC credit card, you can apply for it without even stepping out of your home. This part of our article will demonstrate you how to get it done within minutes.
You are able to apply for a credit card from PNC Bank in the following way:
- The first thing you should do is to launch a new tab in your browser and go to the following webpage: https://www.pnc.com/.
- On the PNC website, you will get to see the main website’s menu, placed at the top. At that point, you have to move your mouse over “BANKING” and click on “Credit Cards” in the dropdown menu.
- Next, you will get to see the page with PNC credit cards. Then, you have to click on the “Apply Now” button, placed next to a credit card that interests you.
- On the next page, you will see the details of a selected credit card. Then, you will have to click on the “Apply Now” button.
- Eventually, you will get to see the application form. Select whether you have an online banking account with PNC or not and start filling out the application form.
- At the end, review the details you have provided and click on the “Continue” button until your application will be submitted.