PNC Core Visa® Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and customer service info for The PNC Core Visa® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo rewardsNo initial rewards bonusBalance transfer feeHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the PNC Core Visa® Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-558-8472, Ext.
PNC Core Visa® Credit Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing PNC Core Visa® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, PNC Core Visa® Credit Card earned a score of 4.0/5 for Fees, 0.0/5 for Rewards, 3.7/5 for Cost, 4.9/5 for APR, and 3.7/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.7/5
185 reviewsRead and write reviews
Market Comparison
Market Comparison
4.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
0.0
Cost
3.7
APR
4.9
4.0/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 18 months, 18.24% - 29.24% (V) APR after that
Balance Transfer
0% intro APR for 18 months, 18.24% - 29.24% (V) APR after that
Balance Transfer Fee:4% (min $5)
PNC Core Visa® Credit Card's Additional Info
0% Introductory APR and 4% intro fee (5% after) on balance transfers that post to your account within 90 days of account opening.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.7
Market Comparison
4.0
fees: 4.0
rewards: 0.0
cost: 3.7
APR: 4.9
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.6
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
cost: 3.3
APR: 5.0
(185)
(200)
(1,566)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 18 months
Purchase Intro APR0% for 21 months from account opening
Purchase Intro APR0% for 12 months
transfer intro apr0% for 18 months|Transfer Fee:4% (min $5)
transfer intro apr0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
transfer intro apr0% for 21 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about PNC Core Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The PNC Core Visa® Credit Card credit score requirement is 750 or better. That means people with excellent credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the PNC Core Visa® Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it's best to wait to apply until you meet the PNC Core Visa® Credit Card credit score requirement. You can check your credit score for free on WalletHub.
Please note: The PNC Core Visa® Credit Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
The PNC Core Visa® Credit Card does not have a processing fee. As a matter of fact, a lot of credit cards on the market do not charge applicants a processing fee. There are, however, other fees you have to worry about with this card.
The PNC Core Visa® Credit Card purchase protection covers the damage or theft of eligible purchases for up to 90 from the purchase date. Purchase protection will reimburse cardholders for up to $500 per claim and up to $50,000 per cardholder.
How to File a Purchase Protection Claim with the PNC Core Visa® Credit Card
Call the Benefit Administrator within 60 days of the incident at (800) 553-4820 or the number in your card's benefits guide.
Yes, you can use your PNC Core Visa® Credit Card outside of the U.S. The PNC Core Visa® Credit Card is on the Visa network, so you can use it anywhere Visa is accepted. Visa benefits from extensive worldwide acceptance, so you won't have any trouble making purchases abroad.
Just keep in mind that the PNC Core Visa® Credit Card has a 3% foreign transaction fee which applies to transactions you make abroad and online purchases processed through international merchants. When traveling abroad, it's best to pick a...
Anything above 750 should give you a good chance for approval. To answer your second question, no, you don't need to have a previous relationship with PNC to get approved.
The cash advance limit for the PNC Core Visa® Credit Card depends on each applicant and it will be decided when you are approved for the card. If you're already an existing cardholder, your cash advance limit should be listed on your monthly statement or card agreement.
It's important to mention that cash advances can be very expensive. The PNC Core Visa® Credit Card charges a cash advance fee of 5% (min $10). You'll also have to worry about a...
The PNC Core Visa minimum payment amount is 1% of the total balance + interest charges + late or return payment fees, with a $27 minimum. You will find the specifics in your monthly statement.
You must pay at least the minimum payment each month by the due date, to avoid being late fees. If you pay more than the minimum payment due for one billing cycle, you will still need to pay the...
Share your insights and review for the PNC Core Visa® Credit Card
5
11%
4
68%
3
15%
2
4%
1
3%
3.7
185 reviews
185 reviews
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whiskcat @whiskcat
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3 Star Rating
I pay my credit card in full every month. The last two times, they charged me a late fee twice. I sent the payment out on the 8th, and it's not due until the 20th. They charged me a late fee twice; not only that, but I also pay in full every month. I just don't understand why they are charging me a $38.00 late fee. I pay earlier than late .
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Joshua @JMDSealcoating
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5 Star Rating
Verified Customer
Pnc is the bank I have had since I was a kid and I love the people staff locations etc. I wouldn't consider going to another bank any time soon.
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Conni B @magimae
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5 Star Rating
Verified Customer
I was invited to get their card a few months after I opened my checking account with them after BBVA closed. I used it to pay off some high interest cards. Haven't had any issues with them. Customer service was very prompt and worked with me quickly when a problem popped up (their issue). Their website could certainly work better though. They seem to like me alright as they are always trying to give me another card.
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Ridley @Ridley212
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5 Star Rating
Verified Customer
PNC credit cards, are amazing and easy to obtain with good or excellent credit. PNC is a relationship bank so if you have a bank account there or any other financial products. It makes it much easier to get approved for their cards from my experience. I have 4 out of 5 of the cards PNC offers, and got them all within 2 years with a Experian score that ranged from about 680-700. Which is good but far from excellent, I strongly believe I got the cards because I been banking with them for 3 years; prior to sending in my applications for these cards. I know few people who try applying with better scores than me and got denied. You will also see that’s a theme for these cards, denying the perfect applicant. Your chances are best when already a PNC customer.
All limits doubled upon 6 months having these cards.
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Barry @barryt_23
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5 Star Rating
Verified Customer
Fantastic Bank no problems at all. I'm an out of state customer and came to PNC because they are the bank of choice when it comes to sports. And I'm a BIG STEELERS NUT!!! Just in case we move to the Pittsburgh area I'm all set with my Bank!
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ccxfh @ccxfh
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1 Star Rating
PNC bank changes the credit card rewards terms freely to deny the $100 rewards after a customer qualifies for every term based on the bank's original printed offer. The customer service associate is not customer friendly and sounds untrustworthy. PNC's original offer states that to receive the $100, the WorkPlace Banking customer must haven an eligible WorkPlace Banking account at the time you submit an application for a new PNC points credit card account through the offer; have your application approved; and make at least $1000 in qualifying purchases within the first 90 days following credit card account opening. Limit one $100 credit per WorkPlace Banking checking account. If multiple credit cards "are opened" with the same primary borrower, only one credit card account will be eligible for the $100 offer. Although another customer service staff has agreed that all requirements have been met, one of its bank associates took 10 days to investigate to see whether the WorkPlace bank account was open at the time of application and never responded until being contacted again at which time he denied the $100 rewards stating that limit one $100 credit per WorkPlace banking checking account means "in the account's life time" although it was not one of the terms in the printed offer and a previous card was closed two years ago. So far this associate has not provided in writing to prove that the term "in its (bank account) life time" (as he said on the phone) is in the original offer.
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Kristel Hoffman @kristel2400
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2 Star Rating
I'm a PNC customer and this is my favorite bank to work with! I got Core and so far it's not what I expected or originally applied for. When I applied, it said my interest rate after the first 15months was 13%... I got my paperwork in the mail & it's now 19%!! Not happy.
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Andy H @andrewharris345
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3 Star Rating
The credit card is sleek and easy to use. Its for functionality rather than something that "pops" and has a designers appeal. The truth is this card is pretty hard to get. At first I was denied, but then I was approved within minutes. I have no idea why. The card works though, and since the PNC app helps with my life I can view my bank account on the go. I think the only downside to this card is the APR, its different for everyone. Mine was between 16-17% APR which is horrible. Since I payed my bills on time I avoided any late charges, so I did not mind the APR.
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Dave Brandt @dave_brandt_9
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4 Star Rating
Just like everyone else here has written, the PNC Flex Visa Card is above average, but not great. The points benefits are not spectacular at 4 points per dollar. The upside is that there is not an upper limit on how many points you can accumulate, so hoarding points is possible (but not recommended). The balance transfer fee of 4% is decent, but not great. The issue is that you need very good credit rating to get this card. It’s a decent card, but you can get much better rewards than are available with the PNC Flex Visa Card. If you qualify and are comfortable with the rewards given, go for it. Personally, I’d look around a bit more.
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Albert Phan @albert.phan.7
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4 Star Rating
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%.
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* The information about the following cards has been independently collected by WalletHub: Citi Simplicity® Card and PNC Core Visa® Credit Card.