Bank · FDIC insured
PNC Credit Card Rates
PNC credit card rates start at 18.49% APR. Rates checked October 15, 2026.
How PNC’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where PNC has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
PNC
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
PNC Cash Rewards®
Must qualify for a minimum credit line of $500. Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro APR on qualifying balance transfers for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening. |
| Ongoing | 18.49%–28.49% | None | Standard variable APR on balance transfers after the introductory period based on creditworthiness; varies with the market based on the prime rate. |
Sources (2)
- pnc.com/en/personal-banking/banking/credit-cards.html
- pnc.com/en/personal-banking/ba…ds-visa-credit-card.html
All captured Oct 15, 2026
PNC Cash Unlimited®
Must qualify for a minimum credit line of $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro APR on qualifying balance transfers for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening. |
| Ongoing | 18.49%–28.49% | None | Standard variable APR on balance transfers after the introductory period based on creditworthiness; varies with the market based on the prime rate. |
Sources (2)
- pnc.com/en/personal-banking/banking/credit-cards.html
- pnc.com/en/personal-banking/ba…ed-visa-credit-card.html
All captured Oct 15, 2026
PNC Spend Wise®
Must qualify for a minimum credit line of $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 0.00% | None | 0% intro APR on purchases for the first 18 months following account opening. |
| Ongoing | 19.49%–27.49% | None | Variable APR on purchases based on creditworthiness; varies with the market based on the prime rate. Eligible for Purchase APR Reduction Program. |
Sources (2)
- pnc.com/en/personal-banking/banking/credit-cards.html
- pnc.com/en/personal-banking/ba…se-visa-credit-card.html
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.