Personal Credit Cards
We have a card for every need: Cash Back. Low Rates. Rewards. Travel.
PNC Cash Rewards® Visa® Credit Card
Maximize Your Cash Back....Every Day
- Earn at least 1% cash back on purchases everywhere. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.*
- You’ll earn DOUBLE CASH BACK on your first year of purchases.
- Cash back is automatic - there's no need to enroll or track rotating categories.
- Cell phone protection included. Limitations apply.
- $0 annual fee.**
Earn Double Cash Back
PNC points® Visa® Credit Card
Earn points For Exciting Rewards
- Earn 4 points for every $1 in purchases.*
- Earn even more points with PNC Virtual Wallet® or an eligible PNC Checking account when you meet additional requirements.*
- Redeem your points for thousands of valuable rewards – including cash, name brand merchandise, travel, and more.
- Cell phone protection included. Limitations apply.
- $0 annual fee.**
- Introductory offer on purchases and balance transfers.**
PNC Premier Traveler® Visa Signature® Credit Card
Enjoy Travel Perks, Miles, Rewards
PNC Secured Visa® credit card
Establish and Strengthen Your Credit
- Open your account with a refundable security deposit ($300-$2,500). If approved, the security deposit will be used to establish your new credit limit.
- Establish, strengthen or build your credit – use this card responsibly and over time it can improve your overall credit score.
- The PNC Secured Visa® credit card can only be opened in person at a PNC Bank Branch. Apply by visiting a branch closest to you.
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The term “purchases” does not mean every transaction you make with your credit card. Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers are excluded.
The $8,000 annual cap resets each year on your anniversary date, not at the beginning of each calendar year. Your anniversary date is the date your account is enrolled in the PNC Cash Rewards Program, and the same month/day each year thereafter. For example, if your account was enrolled in the program on June 17, 2022, your anniversary date in 2023 is June 17, 2023.
Double Cashback Offer for new PNC Cash Rewards® Visa® credit card accounts:
Promotional Offer Period: This offer is available if you apply for a PNC Cash Rewards Visa credit card account through the following link https://secure.apply.pnc.com/cccr/gettingStarted?promoCode=promo23 on pnc.com during the period 10/1/22 through 12/31/22 and your application is approved. All accounts subject to credit approval.
Offer Details: We'll match the cash back rewards you earn under the PNC Cash Rewards program only that post to your new PNC Cash Rewards Visa cash back reward balance during the first “Program Year” of your account. This offer cannot be combined with other cash back promotional reward offers on your account, such as additional cash back rewards under the PNC Purchase Payback program. For example, if you were to earn ten percent (10%) cash back on a purchase under the PNC Purchase Payback program during your first Program Year that would have otherwise earned only one percent (1%) cash back under the PNC Cash Rewards program, we will match only the cash back you would have earned had the purchase not qualified for additional cash back under the PNC Purchase Payback program. In this example, we would only match 1% cash back, not 10% cash back. The final determination of the amount of any cash back match will be in our sole discretion.
As we explain in the PNC Cash Rewards Program Terms and Conditions, which are available at pnc.com and apply to this offer and any cash back rewards earned under these offer terms, your first “Program Year” is from your first “Anniversary Date” through the day before your “Anniversary Date” of the following calendar year. Your “Anniversary Date” is the date your account is enrolled in the PNC Cash Rewards Program, and the same month/day each year thereafter.
Please refer to the PNC Cash Rewards Program Terms and Conditions for information about transactions that are considered purchases and, therefore, eligible for earning cash back rewards. For example, cash advances and balance transfers do not earn cash back rewards and would not earn rewards under this offer. Cash back rewards that post to your cash back reward balance after your first Program Year are not eligible for this offer and will not be doubled. Cash back matches under this offer will not be awarded or, if awarded, will be reversed in full, for returns, credits or chargebacks. For details on cash back reward adjustments, please refer to the PNC Cash Rewards Program Terms and Conditions.
We will award the cash back earned under this offer within 90 days after the end of your first Program Year. To be awarded the cash back rewards earned under this offer, your account must remain open and be available for you to use to make purchases at the time we award the cash back. If your account is closed, revoked, bankrupt, or charged off, you immediately and automatically forfeit any cash back rewards earned under this offer but not redeemed. You also may forfeit any cash back rewards you have earned under this offer if we determine, in our sole discretion, that you have engaged, or intend to engage, in abuse, misuse, or gaming in connection with this offer in any way. This may include, without limitation and without prior notice, any or all of the following (1) disqualifying you from the offer; (2) reversal of any rewards awarded under this offer; (3) closing or suspending your account; or (4) taking legal action against you to recover any monetary losses, including attorneys’ fees and damages.
PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.
Some purchases of groceries, gas or food may only qualify for 1% cash back. That is because the cash back earned on a purchase is determined by the merchant category code assigned to a merchant. The merchant category code is based on the merchant’s type of business and is assigned by the merchant’s credit card processor. PNC Bank does not assign merchant category codes. For details, please refer to the PNC Cash Rewards Program Terms and Conditions available at pnc.com/creditcards.
When you pay your monthly wireless bill with your eligible PNC Visa credit card, your cell phone is protected for the next calendar month if it is stolen or damaged. A maximum of 2 claims will be paid each 12-month period, with each claim subject to a $50 deductible. Additional terms, conditions and exclusions apply. If your credit card application is approved, you will be provided with a link to a Visa Guide to Benefits that contains complete details regarding the program.
PNC Cash Rewards, PNC Premier Traveler, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
Pursuant to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the credit card agreements below were submitted to the Federal Reserve Board. These agreements were effective as of September 30, 2022. If you are applying for a credit card now, the terms of the account you are applying for may be different from those terms and conditions in the agreements posted below.