PNC is one of the 10 largest banks in the U.S., based on total assets. PNC offers credit cards, personal loans, checking accounts, savings accounts, prepaid cards, auto loans, student loans, mortgages and more. You can learn more about PNC below.
3.7/5 rating among users on WalletHub
A+ BBB rating
Offers credit cards, loans and bank accounts for consumers and small businesses
PNC is based in Pittsburgh and was founded in 1983. To reach PNC customer service, call 888-762-2265.... show more
PNC Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/17/2022.
3.8
6,937 reviews
from WalletHub and across the web
6,937 reviews from WalletHub and across the web
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PNC
WalletHub @WalletHub
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5 Star Rating
editor's review
PNC Personal Loan Review
PNC personal loans have low APRs, ranging from 9.24% to 19.44%, based on applicants’ creditworthiness. While you might be able to find a lower minimum rate from other lenders, PNC’s maximum is one of the lowest around. That means even people who just barely qualify for a loan will still get a good rate. Plus, PNC further minimizes costs because they don’t charge an origination fee. PNC offers up to $20,000 in funding, with up to 60 months to pay the loan off.
There are a few drawbacks to PNC personal loans, such as the fact that rates vary heavily by ZIP code. PNC isn’t as transparent as they could be about approval requirements, either. However, the benefits definitely outweigh the shortcomings.
PNC Personal Loan Review Highlights:
• PNC personal loan rates: 9.24% to 19.44%
• Processing timeline: 1 to 2 business days
• PNC personal loan requirements: 18+ years old; SSN, ITIN or passport
• Loan amounts: $1,000 to $20,000
• Payoff periods: 6 to 60 months
• Origination fee: $0
• Late fee: Varies
• Customer satisfaction: PNC holds an A+ rating from the Better Business Bureau and a 3.6/5 user score.
Overall, PNC offers personal loans with very attractive rates, though it’s a bit difficult to get some information on those loans. Fortunately, you can pre-qualify for a PNC personal loan online without hurting your credit. You can also try out WalletHub’s pre-qualification tool to check your status with other lenders.
Below, you can see how WalletHub rates PNC in three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Worst bank ever! Verizon had taken a payment from us that they weren’t supposed to. They refunded the money to us. Now that was last week. And we have still yet to have any movement on the bank posting our refund back to our account, so now we are even in a deeper hole because PNC has not helped us one bit to make this refund happen. They have no safeguards in place to protect your money. Once my wife’s direct deposit hits on Friday we are closing this account and going to a federal credit union where I know my money will be safe! PNC steals your money and will just keep adding fees and overdraft fees to put you further in debt regardless of what is being done. I am appalled at how horrible their customer service is and the fact they do not care about customers one bit! They lie and will tell you anything to get you off the phone!!!
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Product: PNC Checking
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PNC
evamvega @evamvega
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1 Star Rating
Difficult website and not a user friendly payment system online. My account was locked out and the system didn't give me the option of resetting it because it didn't recognize my information which forced me to have to contact customer service which was extremely hard. I then find out my account was closed because of inactivity of 90 days. They never contacted me to ask if I wanted my account closed. I was not in arrears and didn't owe them any money, and they charged me my yearly account fee but the automatic closing of my account affected my credit score negatively anyway. How do you close someone's account just because they haven't used their credit card in 3 months when I paid my yearly card fee! I would not use them again nor would I recommend.
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Product: PNC Credit Cards
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PNC
Joy Wilcock @jdwot62
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1 Star Rating
This company SUCKS. Our mortgage was sold to them by our previous mortgage holders. It made sense that when we needed a home equity line of credit that we would go to the same company as owned our mortgage. We made the call and after a few questions, we were told we would qualify for the next step which is to submit our information. We were assured that our chances of getting a line of credit were very good as we also knew. Our house is appraised at more than twice what we currently owe, our credit score is in the low 800's and both my husband and I have equitable jobs. After one and a half months, we were told that everything was going well but they questioned the fact that our driveway went through someone else's property. We laughingly informed them that it was our land, just separated into a different parcel. This began the most ridiculous and absurd part of this whole story. PNC wanted us to give ourselves permission to drive over our own land...in writing...notarized. This is known, they informed us, as an easement. We did so, thinking this as stupid as it gets, but then, they proved they could be even more stupid than that. They said our letter was not enough, we needed to send them the deed to the land (as if they could not ask the county registrar for this themselves.) We sent this along and they then said we had to put the easement on our deed. We informed them that our mortgage is on 10 acres, we could easily just drive the other way through our yard. This was not good enough for them. After three months. we are still waiting for them to make a decision on this. And no one, absolutely NO ONE has ever heard of this happening before. Not our lawyer, not the registrar of deeds or the appraiser of our county, nor anyone we have talked to. The absolute stupidity of holding us back from an equity line of credit simply because our driveway goes through another part of OUR LAND!!! Mind you, they do not want us to add this parcel to the mortgage which we would not do! Also, mind you, they refinanced our mortgage without this being an issue. PNC loan officers are obviously obsessed with their own power, to the point that they do not care about getting money for their company. They will certainly not get our money.
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Product: PNC Home Equity
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Julie @ontherecord71
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5 Star Rating
Verified Customer
Always working to help us out. Great company to do business with. I would recommend to everyone to finance with pcn. Looking forward to future business ventures
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Product: PNC Mortgages
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Jory @joryg_1
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5 Star Rating
Verified Customer
Very good first time owner program. You're able to select your payment date and also set up automatic draft from your pnc account. Customer service is excellent!
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Product: PNC Mortgages
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PNC
Nhatrang05dang @Nhatrang05dang
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1 Star Rating
By accident I paid twice for my mortgage payments, when I called couple times ,even came to local PNC asked for the refund , they told me different answers. I am waiting for a month still I didn’t not see my refund. Bad services
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Product: PNC Mortgages
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Dave Warren @Davewarren19022
I completely feel your pain! You can never get a straight answer out of them and do things that you don’t even ask for them to do! We are still waiting on a refund from a payment to Verizon that has been refunded on their end but PNC decided to put it through as fraud and now we have to wait even longer because we need to find out if their even going to give us our money back now! It’s disgusting how this bank is still in business!
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bizne @bizne
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1 Star Rating
Would give 0 stars if I could. I ended up with them since they bought BBVA. App is terrible and I am not able to do anything, this month they just stopped allowing me to transact without an SSN even though I don't live in the US. Out of the blank, without previous notice. Now I have to go to the US just to close my account with them, stay away!
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Product: PNC Checking
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PNC
Michele Sandler @shelley_3
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1 Star Rating
Very unhappy with PNC Premier Traveler Visa. It will not allow ebills to be sent to other banks. Additionally, this took weeks to figure out. I must have spoken with 5 different representatives and only after I blasted PNC on twitter did I get a representative that would even try to help. It still took 2 weeks to get them to answer the question. Prior to that conversation, all of the other representatives gave misinformation. Very difficult to get any help. Basically the IT department is really behind in customer service options. Also, this is not a free card. They charge an annual fee to deliver poor service. PNC and PNC Traveler Card are well behind the pack. Skip it and go to another card I am sorry I wasted so much time trying to get help.
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.
2022 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.
No, there are no PNC credit cards available for students right now. Plus, most PNC consumer credit cards require at least good or 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 Deserve® EDU Mastercard for Students, which gives 1% cash back on all purchases.
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 Platinum Secured Credit Card. You'll receive a $200 credit limit with a required deposit of $49, $99 or $200 based on the specifics of your credit history.
Here are some alternatives to a PNC student credit card:
The Deserve EDU offers 1% cash back on all purchases. This card is also a good choice for international students, as it has no SSN requirement and charges $0 foreign fees. The card has a $0 annual fee.
The Bank of America® Unlimited Cash Rewards credit card for Students offers a $200 after spending $1,000 in the first 90 days. Plus, the card gives 1.5% cash back on all purchases. The Bank of America® Unlimited Cash Rewards credit card for Students also comes with an intro APR of 0% for 15 months on both purchases and balance transfers. The card's regular APR is 14.24% - 24.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
The BankAmericard® Credit Card for Students gives you a $100 statement credit after spending $1,000 in the first 90 days. This is one of the best student cards for financing, as it offers an intro APR of 0% for 18 months on both purchases and balance transfers. The card's regular APR is 13.24% - 23.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
Capital One Platinum Secured offers an initial credit limit of $200 with a deposit of $49, $99 or $200, based on the specifics of your credit history. You will be eligible for a credit limit increase when you make your first six monthly payments on time. The card has a $0 annual fee.
You can also check our editors' latest picks for the best student credit cards on the market to see which one suits your needs better.
Ultimately, it is worth noting that students can still get a PNC credit card by somehow building at least good credit or getting an existing cardholder to make them an authorized user.
Unfortunately, there are no clear instructions on how to close a PNC account on PNC's website. You best option is to contact PNC's customer service at 888-762-2265 or visit a local branch (https://apps.pnc.com/locator/#layout=landing). If you already have online access with PNC then you can log into your account and can also send a secure message for more assistance. After getting all the details and closing the account, remember to obtain a written confirmation to keep for your records.
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 exceptions that don't charge foreign fees.
The PNC Premier Traveler® Visa Signature Credit Card has 0% foreign transaction fees. The card's annual fee is: $0 intro 1st yr, $85 after. You get 30,000 miles after spending $3,000 in the first 3 months. You also earn 2 miles per $1 you spend on all qualifying purchases.
The PNC Travel Rewards Visa® Business Credit Card has 0% foreign transaction fees and a $0 annual fee. With this card, you get 2 miles per $1 spent on all purchases on the first $2,500, and 1 mile per $1 spent thereafter.
The PNC BusinessOptions® Visa Signature® Credit Card has $0 foreign transaction fees. The annual fee is: $0 - $500. This card gives you 1.5% cash back on all 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 good earning rates.
