There is no PNC student credit card. And all three 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 2% cash back at restaurants and gas stations up to $1,000 every quarter. Another good option is the Capital One Journey Student Rewards card, with 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 Capital One Secured Mastercard. 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:
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.
It's the standard 3%. Not all cards have it though, especially the travel one (for obvious reasons). If I were you, I'd go for that one, especially since it doesn't have an annual fee either, at least for the first year.
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 Card, the PNC Travel Rewards Visa Business Card, and the PNC Business Options Visa Signature Card. You can only get the last two options if you own a small business, but anyone can get the Premier Traveler Card.
Here are the credit cards from PNC with no foreign transaction fee:
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 and Chase Sapphire Preferred cards, which both offer a 50,000-mile bonus and charge just $10 more per year than the PNC Premier Traveler card.
The best PNC balance transfer credit card is the PNC Core Visa because it has a $0 annual fee and an intro APR of 0% for 15 months. Balance transfers must post to your account within the first 90 days to receive the promotional APR. There’s a 3% (min $5) balance transfer fee.
So a PNC balance transfer card may or may not be the best balance transfer credit card for you. You may also want to consider cards like Chase Slate and Discover it Balance Transfer too.
I got a pre-approved offer in the mail.
The only way to get PNC pre-approval for a credit card is through an offer in the mail. Like other credit card companies, PNC mails pre-approved offers to people they think are good candidates to apply and get approved for one of their credit cards. But you can’t request such an offer. You just have to wait. And unlike many other issuers, there is no online PNC pre-approval checker.
If PNC gives you pre-approval for a credit card, it means they’ve done a soft inquiry into your credit history and liked what they saw. The soft inquiry has no effect on your credit score. But if you do apply for the card, a hard inquiry will follow and that will lower your score a bit.
Getting PNC’s pre-approval for a credit card does not mean you’re guaranteed to get a new credit card account because they could always change their mind after taking a closer look at your finances. But eight or nine times out of 10, a pre-approved applicant gets approved for real.
In any case, you’d be wise to familiarize yourself even more with how PNC Bank’s pre-approval process works before hastily submitting an application or waiting around for an offer that may never come.
Here’s what you should know about getting PNC pre-approval for a credit card:
Pre-approval for a PNC credit card, or any other credit card, is very beneficial. Although it may only be for one offer, you’ll still get a better sense of the type of credit card you’re likely to be approved for before you submit an application. And that will make it easier to find the best possible credit card for you.
Depending on how you redeem, 50,000 PNC points are worth as much as $170 (airfare) or as little as $100 (statement credit). In other words, each PNC point is worth $0.0013 to $0.0034, compared to about $0.01 for the average credit card point. You can learn more about how to redeem PNC points for maximum value from WalletHub’s PNC rewards program review: https://wallethub.com/edu/pnc-rewards-review/25848/#redeem.
No, this card does not have a processing fee or an annual fee. Please let us know if you have any other questions!
A Qualifying Purchase is any eligible purchase you make with a Participating Card that is processed or submitted through the Visa U.S.A. Inc. payment system. This includes the following: • Purchases made by swiping your Card • Internet purchases • Phone or mail order purchases • Bill payments (other than to us or another financial institution) • Contactless purchases (purchases you make by holding your Card or other device up to a secure reader instead of swiping your Card) Please note that PNC can decide whether any particular transaction is a qualifying purchase.
Yes, you do. This card is a VISA and rental car insurance is offered for all their cards. You can find out more from our study on the subject: http://wallethub.com/edu/rental-car-insurance-credit-card-study/25684/ . Best of luck!