PNC BankPNC Spend Wise Visa
4104 7230 1991 5676
VALID THRU 06/28MORGAN LEE
Balance Transfer · United States
PNC Spend Wise Visa Credit Card
Best for: Financing new purchases interest-free
Annual feeNo annual fee
IssuerPNC Bank
NetworkVisa
Purchase APRSee issuer
Foreign transaction feeSee issuer
Credit neededSee issuer
Pros
- Long 0% period
- Unusual porch piracy protection
Cons
- 4% balance transfer fee
- No ongoing rewards
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (May 12, 2026). A new PNC low-APR card launched May 2026.
PNC Spend Wise Visa Credit Card at a glance
| Issuer | PNC Bank |
| Card network | Visa |
| Annual fee | None |
| Rewards rate | No rewards program reported |
| Welcome bonus | None announced |
| Intro APR | 0% on purchases and balance transfers for 18 months |
| Regular APR | See issuer |
| Foreign transaction fee | See issuer |
| Credit needed | See issuer |
| Best for | Financing new purchases interest-free |
Key features
- 4% balance transfer fee
- $25 annual digital subscription credit
- Price protection and porch piracy protection
- APR-reduction provisions after promo period
Pros
- Long 0% period
- Unusual porch piracy protection
Cons
- 4% balance transfer fee
- No ongoing rewards
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: doctorofcredit.com
How it compares with similar USA cards
| 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 | — |
Wells FargoReflect 4602 8466 8949 9163 VALID THRU 06/31ALEX MORGAN Wells Fargo Reflect CardPaying down a big balance interest-free over ~21 months |
None | No rewards program; focused on a long interest-free period | 0% intro APR on purchases and qualifying balance transfers f… | 3% | Good to Excellent (700+) | |
U.S. BankShield Visa 4173 2865 9895 7291 VALID THRU 12/32AVERY PATEL U.S. Bank Shield Visa CardPaying down debt or financing a large purchase interest-free |
None | 4% cash back on prepaid air, hotel and car booked via U.S. Bank Travel… | 0% on purchases and balance transfers for 24 billing cycles | See issuer | See issuer | — |
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