PNC Bank Credit Cards

The best PNC business credit card is the PNC Cash Rewards Visa Signature Business card because it gives 1.5% cash back and a $200 signup bonus for spending $3,000 in the first 3 months. Cash back can be redeemed for statement credits or as a deposit to a PNC bank account. The PNC Cash Rewards Business card has a $0 annual fee and is offering 0% APR on purchases for the first 9 billing cycles.

2021 PNC Business Credit Cards

• PNC Cash Rewards Visa Signature Business Credit Card
• PNC Points Visa Business Credit Card
• PNC Travel Rewards Visa Business Credit Card
• PNC Visa Business Credit Card
• PNC BusinessOptions Visa Signature Credit Card

These 5 PNC business credit cards are also the only business cards offered by PNC right now.

There is no PNC student credit card. And all PNC consumer credit cards require excellent credit for approval. That puts them out of reach not only for most college students, but also the average person.

While there is no PNC student credit card, there are a number of quality cards from other issuers designed specifically for students. They include the Discover it® Student chrome card, which gives 1 - 2% cash back, depending on the type of purchase. Another good option is the Journey Student Rewards from Capital One, with 1 - 1.25% cash back on all purchases for each month you pay your bill on time.

Another credit-building option is to open a secured credit card account. A secured card requires you make an upfront deposit to set your credit limit. A good secured credit card to consider is the Secured Mastercard® from Capital One. You'll receive a $200 credit limit with a required deposit of $49, $99 or $200 based on creditworthiness.

Here are some alternatives to a PNC student credit card:

• Discover it® Student chrome: $0 annual fee. 1 - 2% cash back, depending on the type of purchase. First year's cash back matched. $20 statement credit for a 3.0+ GPA each school year. 0% intro APR on purchases for 6 months and intro APR of 10.99% for 6 months on balance transfers (3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*). This card's regular APR is: 12.99% - 21.99% Variable.
• Journey Student Rewards from Capital One: $0 annual fee. 1 - 1.25% cash back on all purchases (1.25% for months you pay on time). Eligible for a credit limit increase after making your first six monthly payments on time.
• Secured Mastercard® from Capital One: $0 annual fee. Initial credit limit of $200 with a deposit of $49, $99 or $200, based on creditworthiness. Eligible for credit limit increase when you make your first six monthly payments on time.

There is no PNC student credit card. But students can still get a PNC credit card by somehow building excellent credit, applying with a co-signer, or getting an existing cardholder to make them an authorized user.

The PNC foreign transaction fee is 3% of the purchase amount when you buy something in a foreign country or from a merchant based outside the U.S. Most PNC cards have this 3% foreign fee. But there are three exceptions that don't charge foreign fees: The PNC Premier Traveler® Visa Signature Credit Card, the PNC Travel Rewards Visa® Business Credit Card, and the PNC BusinessOptions® Visa Signature® Credit Card. You can only get the last two options if you own a small business, but anyone can get the PNC Premier Traveler® Visa Signature Credit Card card.

Here are the credit cards from PNC with no foreign transaction fee:

• PNC Premier Traveler® Visa Signature Credit Card:

  There are 0% foreign transaction fees. The annual fee is: $0 1st yr, $85 after. You get 30,000 miles bonus for spending $3,000 in the first 3 months. You also earn 2 miles per $1 you spend on all qualifying purchases.

• PNC Travel Rewards Visa® Business Credit Card:

  There are 0% foreign transaction fees and a $0 annual fee. You get 1 - 2 miles per $1 spent on purchases.

• PNC BusinessOptions® Visa Signature® Credit Card:

  There are $0 foreign transaction fees. The annual fee is: $0 - $500. After your first year, your annual fee will depend on how much you spent in the last 12 months. This card gives you 1.5% cash back on net purchases.

There are a several ways to avoid PNC foreign transaction fees. One is by getting the right PNC credit card. But your options are limited that way. So, you might want to consider getting a no foreign transaction fee credit card from another bank or credit union. That way, you'll have a broad selection to choose from. Some of the best offers include the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card, which both offer high-mile bonuses and charge just a few dollars more per year than the PNC Premier Traveler® Visa Signature Credit Card card.

The best PNC cash back credit card is the PNC Cash Rewards® Visa® Credit Card. It has a $100 signup bonus for spending $1,000 in the first 3 months. It also gives 4% cash back on gas, 3% cash back on dining, and 2% cash back on groceries. You get 1% cash back on all other purchases. Plus, the PNC Cash Rewards® Visa® Credit Card has a $0 annual fee.

The only bad thing is you need a minimum of $25 cash back to redeem your rewards earnings. But you can redeem for a statement credit or a deposit into a PNC bank account.

Your other option is the PNC Points Visa® Credit Card, but it just gives points redeemable for cash back not actual cash back. Although that card offers pretty good points-earning rates, each point is worth a lot less than 1 cent in cash back.

The best PNC Visa rewards card is the PNC Points Visa® Credit Card because it offers 4 points / $1 spent in qualifying purchases. It also has a bonus of 50,000 points after spending just $750 in the first 3 months from account opening. Plus, there's no annual fee, and you'll get an introductory APR of 0% for 12 months.

PNC Points Visa® Credit Card cardholders can also get a 25%, 50% or 75% bonus on points earned in a billing cycle if they have a qualifying PNC virtual wallet/checking account. Just bear in mind that you'll have to meet specific minimum balance and direct deposit requirements to be eligible.

If you want cash back, the PNC Cash Rewards® Visa® Credit Card is another good option to consider. It has a $0 annual fee and offers 4% cash back on gas, 3% on dining, and 2% at grocery stores for the first $8,000 in combined purchases each year. You'll get 1% cash back on all other purchases. There's also a $100 bonus after spending $1,000 in the first 3 months. You'll need a minimum of $25 cash back before you can redeem for statement credits or direct deposits.