PNC

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 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:

• Discover it Student Chrome: $0 annual fee. 2% cash back at gas stations and restaurants up to $1,000 spent each quarter. First year's cash back matched. $20 statement credit for a 3.0+ GPA each school year. 0% APR on purchases for 6 months.
• Discover it Student Cash Back: $0 annual fee. 5% cash back on up to $1,500 spent per quarter in spending categories that rotate. First year's cash back matched. $20 statement credit for a 3.0+ GPA each school year. 0% APR on purchases for 6 months.
• Journey Student Rewards from Capital One: $0 annual fee. 1% cash back on all purchases (1.25% for months you pay on time). Eligible for a credit limit increase after making your first five monthly payments on time.
• Discover it Secured: $0 annual fee. 2% cash back at gas stations and restaurants up to $1,000 spent each quarter. First year's cash back matched. $200 minimum deposit. Security deposit could be returned after 8+ months of on-time payments.
• Capital One Secured Mastercard: $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 five 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.

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 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:

• PNC Premier Traveler Visa Signature Credit Card: There's no foreign transaction fee. The annual fee is $0 for the first year and $85 after that. You get 30,000 bonus miles for spending $3,000 in the first 3 months. You also earn 2 miles for every $1 you spend.
• PNC Travel Rewards Visa Business Credit Card: No foreign transaction fee or annual fee. You get 2 miles for each of the first $2,500 you spend after opening your account, and 1 mile per $1 after that.
• PNC Business Options Visa Signature Credit Card: There's no foreign transaction fee. There's no annual fee the first year, either. But after your first year, your annual fee will depend on how much you spent in the last 12 months. You'll have to pay $500 if you spent less than $50K, $250 if you spent between $50K and $75K, $125 if you spent between $75K and $100K and $0 if you spent at least $100K. You can also choose one of three rewards programs: 1 mile per $1, 5 PNC points per $1, or 1%+ cash back.

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 hefty bonus and charge just $10 more per year than the PNC Premier Traveler card.