PNC credit cards offer rewards and low introductory interest rates to people with excellent credit – consumers and small business owners alike. All PNC Bank credits cards are on the Visa card network, which means they can be used pretty much anywhere that accepts plastic. Most PNC credit card offers include a $0 annual fee, a low intro balance transfer APR, and rewards on all purchases. PNC credit card rewards may come in the form of cash back, points or miles, depending on the card. Several of those cards offer an initial rewards bonus, too. And many PNC credit cards give 0% purchase APRs to new cardholders for a specified period of time after account opening.
Below, you can compare PNC credit card offers based on their rates, fees and rewards. If you would like to contact the company about an existing account, the PNC Bank credit card customer service phone number is 888-762-2265.
All of these PNC credit cards have no annual fee, except for the PNC Premier Travel Card, which has an $85 annual fee starting the second year an account is open. The best PNC credit card is the PNC Cash Rewards® Visa® Credit Card because of its $0 annual fee, $100 initial bonus (for spending $1,000 in the first 3 months), and ongoing rewards rates of 1 - 4% cash back. The PNC Cash Rewards Visa gives 4% back at gas stations, 3% back at restaurants and 2% back at grocery stores, up to $8,000 spent per year. All other purchases get you 1% cash back. Just bear in mind that the card requires excellent credit for approval.
You can check your latest credit score for free on WalletHub to get a sense of your PNC credit card approval odds. And then after you find the right card and submit an application, you can check your PNC credit card application status 24/7 by calling 888-762-2265.
Below, you can learn more about the latest PNC credit card offers as well as get answers to the most common PNC Bank credit card questions.
I've had this credit card for over a year now and I love it. I personally use credit cards like my own personal debit card and pay it off as soon as the statement comes out. It's been really nice though because I've been able to accrue several points with this credit card and I almost always use it on dates for my husband and I. We enjoy using our points on gift cards for classier restaurants. It's like a nice treat for us once in a while and we didn't really have to do much to get the points. It's convenient to pay and use on PNC's virtual bank website. I would definitely recommend this credit card.
I have had my PNC Bank Points Visa for a couple of years now. I originally got it to help with some expenditures while traveling. PNC has offered great customer service with my banking and the same has followed suit with my Visa card as well. I have had a couple of instances that required my payment to run a couple of days late and they have always been easy to work with and make arrangements. I have taken advantage of the points process as well, earning some great gift cards and discount cards with it. Overall the card has been a big help and is supported well by PNC. I have never experienced hidden fees or manipulative errors.
The PNC Flex Visa Card is a good card to start out with. The rewards are alright since there isn't an initial bonus, you can earn points with a base/max earn of 4 points/$1. There is no limit to how much you could earn and you're able to redeem points on gift cards and such. This is different from the Capital One VentureOne Rewards Credit card since the rewards deal with frequent flyer miles. The annual rate is average and the grace period is average with 21 days. Although the balance transfer fee is also something to look at with a good balance transfer fee of 4%.
The PNC Flex Visa Credit Card is not horrible, but could be better considering you need excellent credit to qualify for it. They have no annual fee but do not offer a zero interest introductory period on balance transfers or purchases. They do have a rewards program though where you can earn points towards gift cards, traveling, merchandise and more. While the card isn't too bad, I like the Chase Freedom Visa card better because it has no annual fee, no interest on balance transfers or purchases for 15 months and instead of points you earn cash back. This card also requires excellent credit, so you might as well go for the one with better perks!
I obtained my PNC Bank Rewards VISA Credit Card roughly four years ago and I’ve maintained it ever since. The bank originally promoted the card through their points program by focusing on the fact that I would be receiving rewards for paying my bills with their credit card. I have since earned several hundred dollars in rewards and am paying additional bills with their card to earn even more. As with all credit cards, the interest rate is on the higher end of the spectrum, thus I do not carry a month end balance; rather I pay the total amount owed each month to avoid interest charges. It’s by far my most used card and I am thus far very satisfied with the performance of it.
This is my favorite credit card. I purchased airline tickets with my PNC card. The airline was suspended and filed bankruptcy. PNC immediately credited my account 100% not making me wait until after the date of the flight as some companies did with their customers. This is a great credit card, highly recommend!
Product: PNC Credit Cards
Monica King @chaotika573
I have had a PNC Points Credit Card since 2008. At first I was pleased to earn points on all of my purchases, but when I closed my checking account with PNC in 2010 because they mishandled my paychecks from work, I was automatically unenrolled from the points program and left with a high-interest credit card with no rewards to speak of. Also after closing my checking account but keeping the credit card, I was no longer able to access my points account online and customer service never helped me resolve the issue. After having this card for a while, I was offered a better interest rate from Capital One. Now I only keep my PNC card for emergencies since it is not rewarding or worthwhile otherwise.
I've had the PNC Bank Points Visa Card for about a year now, to help rebuild my credit. I've had no problems with it, and in fact with using their online banking, I was able to pay off my bill from the comfort of my bed on my laptop just by signing into my checking account and transferring money over in a simple process. I tend to not let any money carry over from month to month as I'm still in the process of rebuilding my credit. Plus I want to keep the whole credit line open in case of emergencies with my car or apartment. I'm happy with the card overall.
I've had a credit card with PNC for quite a few years now ever since I was offered one. I heard many warnings about PNC but I decided to give it a try anyways and I'm glad I did. In terms of customer service, PNC was super helpful. I remember one time, I had accidentally missed a payment. I got a call the day of and was informed I could pay right then and it would be on time. Another time, after my card got stolen, PNC notified me of unusual charges and called me to verify. After telling them it was not me, they declined the charges and told me I would not be responsible for those charges. I also received a new card in the mail that same week. Overall, my experience has been awesome and would recommend PNC to anyone.
Product: PNC Credit Cards
Steven Crawley @RehabProject84
I didn't pick this card per say I just wanted a card to help me go on vacation, when I went to the bank this is what I got. It is nice, I went to Florida on a two week vacation I spent about $30,000 on the card during the trip so by doing that I racked up some serious points, or cash back however you look at it. It was nice to get something back for using their card, most banks could care less if your happy, or so it seems. But this card makes it easy, my bills and statements are easy to get to online, if I have questions I never have a problem reaching someone on the customer service line, and they are generally quite polite. As far as cards go I like this one, I've had several cards over time, and this one is quickly becoming my favorite, I like cards and programs in general that give back to you for using them, so this is a perfect fit for me.
Product: PNC Credit Cards
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PNC Credit Card Q&A
Get answers to your questions about PNC Bank Credit Cards below. For more general questions, visit our Answers section.
The PNC Cash Rewards® Visa® Credit Card's foreign transaction fee is 3%, so it's not an ideal travel companion. You'll be charged this fee if you use your card to pay for purchases made in another currency.
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