PNC is a financial services company based out of Pennsylvania, with close to 2,500 branches nationwide and a history that spans back over 160 years. In terms of assets, they are the 9th largest bank in the United States, and if you focus purely on the number of ATMs then they are the 4th largest.
This is key for PNC cardholders, and it’s these customers we will focus on today as we look at the best PNC credit cards and the worst PNC credit cards.
The Best PNC Credit Cards
Before we list our favourite cards from PNC there are a couple things you need to bear in mind. Firstly, they don’t have a great deal of credit cards on offer, so our “best of” list pretty much includes all viable options right now.
Secondly, and more importantly, this is just our opinion and it is one based on the average credit card user. Your needs and your financial situation can drastically change your perception of how beneficial these cards are.
For instance, while a rewards card with a high interest rate can be great for someone who spends big and pays off their balance every month, it can be terrible for someone who struggles from month to month and is always in the red. Conversely, someone who pays off their balance is not going to appreciate a low interest rate and no rewards, while someone who does not pay off their balance will appreciate those things.
There is no one card for everyone, so bear this in mind when looking for the card that is right for you. And if your situation changes, whether you go from the red to the black or you just change how you spend your money and how much of it you spend, you should look at switching your card provider.
Best Card: PNC Points Visa Credit Card
This is a rewards card that offers lots of cash back on everyday items and has some extra benefits for people who bank with PNC. You can earn as many as four points for every dollar that you spend, and you will get a boost of 75% on your balance at the end of the year if you have an account with them.
Not only are these rewards very generous, putting this PNC credit card in line with cards like the Discover It, but it also has some very impressive fees and rates, making it a viable option even for people who won’t benefit greatly from the rewards program.
PNC Points Visa Credit Card Benefits
- Earn four points for every $1 spent.
- Get 75% more points when you have a PNC checking account.
- Points have no limits and no reduced earning categories.
- Redeem your points for cash, gift cards and vacation essentials.
- No annual fee to pay.
- 0% introductory rate on purchases for first 12 months.
- 0% introductory rate on balance transfers for first 12 months.
PNC Points Visa Credit Card Rates
- Regular APR of 13.74% to 23.74%.
- 4% balance transfer fee.
- Penalty APR of 30.49%.
- 3% foreign transaction fee.
- Cash advance fee of 5% or $10, whichever is larger.
- $0 fraud liability.
- Protection for emergencies and for travel.
Get The Most From the PNC Points Visa Credit Card
As good as this card is, if you are not a PNC customer then it’s not quite as good as some other cards on the market. So we would definitely recommend the PNC Points Visa Credit Card if you have an account with PNC and if not then you should consider signing up.
To qualify for this rewards boost you need a PNC Bank Performance Select Checking account or a Virtual Wallet, and you must also meet specific criteria with regards to minimum balances and deposits.
Second Best Card: PNC Premier Traveler Visa Signature Credit Card
The PNC Premier Traveler Visa Signature card is perfect if you travel a lot or you simply want to save for your next vacation. There is a signup bonus to give you a boost of points, there are a number of ways that you can earn and redeem, and there is also no annual fee for the first year.
PNC Premier Traveler Visa Signature Credit Card Benefits
- Earn 2 miles for every $1 that you spend.
- Redeem miles on a range of travel expenses.
- Get 30,000 miles when you spend $3,000 in the first three months of your membership.
- No annual fee for the first year.
- 0% introductory offer for 12 months on balance transfers.
- Miles can be redeemed at a value of $100 per 10,000.
- $0 fraud liability.
- Range of travel perks and VIP perks available.
PNC Premier Traveler Visa Signature Credit Card Rates
- Average APR of 17.74%
- Annual fee of $85 after first year.
- No foreign transaction fee.
- Penalty APR of 30.74%.
- Minimum interest charge of $1.50.
- 3% charge on balance transfers.
- $5 charge for every cash advance.
- Late/returned payment charge of $35.
Best Business Card: PNC Business Options Visa Signature Credit Card
PNC have pulled a rabbit out of the hat with their PNC Business Options business credit card. It’s one of the better business credit cards we have come across in recent years and offers a wealth of benefits. We couldn't not mention it as we know that many of our readers are small business owners.
Just take a look at these features.
- APR of between 12.74% and 18.74%
- Generous rewards program.
- Travel and accident coverage.
- No rewards cap.
- Choose from an array of options to redeem your points.
- Roadside coverage available.
- Concierge available.
- Annual fee of $500.
Worst PNC Credit Cards
PNC don’t really have any terrible credit cards. This is not our way of saying that they are perfect, far from it. It’s actually quite common with smaller banks because they only release a handful of cards and they don’t get mixed up in terrible relationships with retail organizations.
The GameStop credit card is a premium example of a terrible credit card and of what happens when card networks allow retailers to abuse their brands. They are not the only ones either (we have covered cards based on football and even Star Wars in the past) but thankfully there is nothing like that with PNC.
So, keep the cards we mentioned above in mind when looking for a new credit card and be sure to check them against other top brands and networks, including the underrated Discover, the occasionally overrated American Express, and the massively popular Chase Freedom.