PNC Bank credit cards
Large regional bank with simple cash-back and low-APR cards. Launched the Spend Wise 0% card in May 2026.
About PNC Bank
PNC Bank is a large regional bank best known in cards for simple cash-back and low-APR Visa cards, including the PNC Spend Wise Visa Credit Card, launched in May 2026 with a 0% intro APR period and no annual fee, the PNC Cash Unlimited Visa Signature, the PNC Cash Rewards Visa and the PNC Core Visa. It also offers a secured card for people who are starting or rebuilding credit.
PNC suits you if you already bank with it, want a no-frills cash-back card, or need a low rate or 0% intro period to pay down a balance. Its card pages let you see if you are pre-approved before applying without affecting your credit score. The limitation: PNC's rewards and travel benefits are thin compared with the large national issuers, so frequent travelers and points collectors will usually find better value elsewhere.
Notable PNC Bank cards
- PNC Spend Wise Visa
- PNC Cash Unlimited Visa Signature
- PNC Cash Rewards Visa
- PNC Core Visa
PNC Bank cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
PNC BankPNC Spend Wise Visa 4104 7230 1991 5676 VALID THRU 06/28MORGAN LEE PNC Spend Wise Visa Credit CardFinancing new purchases interest-free |
None | No rewards program reported | 0% on purchases and balance transfers for 18 months | See issuer | See issuer | — |
Approval rules and tips
PNC Bank does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Use 'See if you're pre-approved' on pnc.com before applying; PNC says it does not impact your credit score.
- A full application then leads to a hard inquiry.
- If you are building credit, PNC's secured card uses a refundable deposit to set your credit limit.
- For balance transfers, compare the intro period and the balance transfer fee on the Spend Wise card before applying.
How to apply for a PNC Bank card
Apply at pnc.com, in the PNC Mobile app or at a PNC branch. Card pages include a 'See if you're pre-approved' check that does not affect your credit score; the full application then triggers a hard inquiry. Have your Social Security number, date of birth, address, employment details, income and housing payment ready. If you are applying for the secured card, you will also need funds for the refundable deposit.
Customer service: www.pnc.com · 1-888-762-2265
PNC Bank FAQs
What credit cards does PNC Bank offer?
PNC Bank's notable cards include PNC Spend Wise Visa, PNC Cash Unlimited Visa Signature, PNC Cash Rewards Visa, PNC Core Visa. See the cards we review below for fees, rewards and APRs.
Does PNC Bank have special approval rules?
PNC Bank does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a PNC Bank credit card?
Apply on www.pnc.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new PNC Bank card?
See our step-by-step guide to activating a PNC credit or debit card — online, in the app or by phone.
Does PNC offer a secured credit card?
Yes. PNC offers a secured card designed to help you start, build and strengthen credit. A refundable security deposit sets your credit limit. It can suit you if you are new to credit or rebuilding, and it keeps your card and deposit accounts in one place if you already bank with PNC.
What is the PNC Spend Wise card?
It is a PNC Visa card launched in May 2026 that pairs a 0% intro APR period with no annual fee and an APR reduction feature that PNC promotes on the card page. At launch, the intro period was reported at 18 months with a 4% balance transfer fee. Check PNC's current terms, since offers change.