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Date Reviewed: May 06, 2019
PNC BusinessOptions® Visa Signature® Credit Card
- Regular Purchase APR 12.49% to 18.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.49% to 18.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.49% variable based on the Prime Rate
- Annual Fee $0 to $500
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Choose either a pay-in-full option or a revolving credit option to pay off your balance
- Choose between cash rebates, PNC points®, and travel rewards as your card's rewards program
- No foreign transaction fees
- No fees for additional employee cards, Add your company's logo to your card
Rates & Fees
- Regular Purchase APR: 12.49% to 18.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.49% to 18.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater ($75 maximum)
- Penalty APR: 30.74% variable based on the Prime Rate
- Annual Fee: $0 to $500
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: Up to $69
Date Reviewed: May 06, 2019
PNC Visa® Business Credit Card
- Regular Purchase APR 11.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 11.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Visa
Best Benefits
- Introductory APR of 0% for 13 months on balance transfers
- No annual fee
- Add, activate, or close employee cards and set spending limits for each
- Manage your transactions online and download them to accounting software programs
Rates & Fees
- Regular Purchase APR: 11.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 13 months on transfers made within 90 days from account opening
- Balance Transfer APR: 11.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.74% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the amount in U.S. dollars of each foreign transaction
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
Date Reviewed: May 06, 2019
PNC Travel Rewards Visa® Business Credit Card
- Regular Purchase APR 12.74 to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.74 to 21.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Earn 1 mile per $1 spent in net purchases
- Earn double miles on your first $2,500 in eligible net purchases
- No foreign transaction fees
- No annual fee
Rates & Fees
- Regular Purchase APR: 12.74 to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.74 to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.74% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
Date Reviewed: May 06, 2019
PNC points® Visa® Business Credit Card
- Regular Purchase APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 9 months after account opening
- Processing Network Visa
Best Benefits
- Earn 5 points per $1 with no spending categories
- No limit to the amount of points you can earn
- 0% introductory APR for 9 months on purchases and balance transfers
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 9 months after account opening
- Regular Purchase APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 9 months on transfers made within 90 days from account opening
- Balance Transfer APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.74% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the amount in U.S. dollars of each foreign transaction
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
Date Reviewed: April 26, 2019
PNC Cash Rewards® Visa Signature® Business Credit Card
- Regular Purchase APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 9 months from account opening
- Processing Network Visa
Best Benefits
- Earn a $200 bonus when you make at least $3,000 in purchases within the first 3 months from account opening
- Earn 1.5% cash back on all purchases
- No limit to the amount of cash back that you can earn
- Redeem cash back anytime as a statement credit or as a deposit into an eligible PNC Business checking or savings account
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 9 months from account opening
- Regular Purchase APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.74% to 21.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 23.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.74% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
Date Reviewed: April 26, 2019
PNC Premier Traveler® Visa Signature® Credit Card
- Regular Purchase APR 17.49% variable based on the Prime Rate
- Balance Transfer APR 17.49% variable based on the Prime Rate
- Cash Advance APR 17.49% variable based on the Prime Rate
- Annual Fee $0 the first year. After that, $85
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Earn 30,000 bonus miles when you spend at least $3,000 in purchases within the first 3 months from account opening
- 0% introductory APR for 12 months on balance transfers
- Earn 2 miles per $1 on all eligible purchases
- Redeem miles to cover already made purchases or to book new travel
- No foreign transaction fees
Rates & Fees
- Regular Purchase APR: 17.49% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening
- Balance Transfer APR: 17.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each balance transfer
- Cash Advance APR: 17.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: $5
- Penalty APR: 30.49% variable based on the Prime Rate
- Annual Fee: $0 the first year. After that, $85
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
Date Reviewed: April 26, 2019
PNC points® Visa® Credit Card
- Regular Purchase APR 13.49 to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.49 to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening
- Processing Network Visa
Best Benefits
- Get 50,000 bonus points after you make at least $750 in purchases during the first 3 months from account opening
- Earn 4 points per $1 on eligible purchases
- Earn up to a 75% bonus on base points when you maintain select banking accounts or digital wallets
- No limit to the amount of points you can earn
Rates & Fees
- Intro Purchase APR: 0% for 12 months from account opening
- Regular Purchase APR: 13.49 to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening
- Balance Transfer APR: 13.49 to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 24.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Date Reviewed: April 26, 2019
PNC Core® Visa® Credit Card
- Regular Purchase APR 11.49% to 21.49% variable based on creditworthiness
- Balance Transfer APR 11.49% to 21.49% variable based on creditworthiness
- Cash Advance APR 24.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Intro Purchase APR 0% for 15 months from account opening
- Processing Network Visa
Best Benefits
- Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
- 0% intro APR on purchases and balance transfers for 12 months
- Low regular APR on purchases
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 15 months from account opening
- Regular Purchase APR: 11.49% to 21.49% variable based on creditworthiness
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening
- Balance Transfer APR: 11.49% to 21.49% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 3% each balance transfer amount, whichever is greater, for first 90 days. After, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 24.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.49% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
Date Reviewed: April 26, 2019
PNC Cash Rewards® Visa® Credit Card
- Regular Purchase APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Get a $100 bonus after you make at least $1,000 in purchases during the first 3 months from account opening
- Earn 4% cash back on gas station purchases, 3% on purchases at restaurants, 2% on grocery story purchases, and 1% on all other purchases
- Cash back never expires as long as your account is open
- 0% APR on balance transfers for 12 months
Rates & Fees
- Regular Purchase APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days of account opening
- Balance Transfer APR: 14.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 30.74% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
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PNC Bank Credit Cards
PNC Bank is a holding company and financial services provider with its headquarters in Pittsburgh, Pennsylvania. The bank is one of the largest in the United States, ranking ninth in total assets, sixth in total deposits, fifth in total branches, and fourth in the total number of ATMs.
PNC is also one of the largest credit card issuers in the United States, with approximately five million credit cards in circulation. PNC Bank credit cards are ideal for those with excellent or good credit scores, including rewards credit cards and business credit cards.
PNC Bank Credit Cards Rewards Guide
How to Earn Rewards
PNC Bank Credit Cards earn PNC Rewards with every purchase. The PNC Points Visa Card earn four points for every dollar spent on purchases, for example. Cardholders also earn additional points with additional PNC accounts or services:
- 25% Bonus Points: Earn 25% more PNC points with a Virtual Wallet, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance Select, or Performance checking account.
- 50% Bonus Points: Earn 50% more points while maintaining a Performance checking account, or a combination of a Virtual Wallet with Performance Spend and meeting minimum balance or deposit requirements each month.
- 75% Bonus Points: PNC Bank credit cards receive 75% more points when maintaining a Performance Select checking account or a combination of a Virtual Wallet with Performance Select and meeting minimum balance or deposit requirements each month.
Do PNC Rewards Expire?
PNC Reward points expire after four years. Additionally, if a PNC credit card account is closed, the points are forfeited.
Value of PNC Rewards Points
The approximate valuation of PNC Rewards points is 0.25 cents per point. PNC Rewards have different values depending upon the award option; however, with travel offering the best value.
How to Redeem PNC Rewards
PNC Rewards apply to several award options. These include gift cards, merchandise, hotel stays, car rentals, flights, cash back, and more. Cash back options include statement credits and deposits into PNC banking accounts. Points also apply to point-of-sale purchases using PNC Virtual Wallet.
Does PNC Offer Preapproval?
PNC does not offer online preapproval for their credit card offers. The bank does, however, send out pre-screen offers for those who may qualify for their credit cards. Because PNC does not provide a prequalification service, potential applicants must understand the credit requirements of PNC credit cards before applying. PNC currently offers credit cards for those with good to excellent credit scores.
Browse the Top PNC Bank Credit Cards of 2020
At BestCards.com we provide extensive reviews of PNC Bank Credit Cards, plus more than 800 in-depth and impartial reviews created to help you find the ideal credit card to suit your needs. Browse our reviews and learn using our insightful news and advice resources. Ready to get started? Let’s find your best card today!
