Pnc core credit card

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The best PNC Bank credit cards of 2018

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At a glance: The best PNC Bank credit cards of 2018

Looking for a new credit card to add to your wallet? PNC Bank has several different credit card options that might pique your interest.

Though far from the largest bank in the U.S., PNC Bank offers an impressive variety of credit cards for those interested in cash back, travel rewards, balance transfers and more.

Which card is the right one for you? We’ll get to that, but first let’s answer a more basic question…

PNC Bank has been serving customers for over 160 years with everything from banking products to mortgages to auto loans. Of course, they also offer credit cards.

If you’ve never heard of PNC Bank but still want to research some of those cards, you’re in luck: You don’t need to be a current PNC Bank customer to take advantage of their credit card offerings. In this review, you’ll read more about the best PNC Bank credit cards of 2018 and find out if there’s an option that fits your needs.

Is PNC Bank located all across the U.S.?

Not quite. PNC Bank branches and ATMs can be found in 19 states, many of which are on the East Coast.

Best for travel rewards: PNC Premier Traveler® Visa Signature® Credit Card

Dreaming of your next getaway? Travel can often seem out of reach, but with the PNC Premier Traveler® Visa Signature® Credit Card, you can save some serious money when you book your next trip.

This card is ideal for jetsetters looking to earn travel rewards and travel-related perks.

The PNC Premier Traveler® Visa Signature® Credit Card offers an impressive sign-up bonus: You’ll earn 30,000 bonus miles (equal to $300 when redeemed for travel rewards) when you spend $3,000 on purchases in the first three billing cycles after account opening.

“PNC Premier Traveler® Visa Signature® Credit Card is also a decent card for those who don’t want to deal with airline miles or hotel points,” notes Jason Steele, credit card expert and founder of CardCon. Instead, cardholders can have flexibility and not be married to one airline or hotel.

Though waived the first year, the annual fee jumps up to $85 after that. Weigh your spending and rewards with the cost to ensure that the fee is worth it.

Additionally, make sure you can meet the $3,000 spending requirement within three billing cycles in order to qualify for the sign-up bonus. It’s generally not a good idea to spend outside your means just to meet the requirements of a sign-up bonus, so make sure those extra miles don’t blind you to the long-term advantages of spending responsibly.

The great thing about this card is that you can use it to book travel or to help offset costs for travel you’ve already purchased. On top of that, you may want to take advantage of the 24/7 Visa Signature® Concierge if you need help booking reservations.

Is the annual fee for a rewards credit card worth it?

A rewards credit card can be a great way to earn some extra dough, but it may not always be worth the cost. Make sure to carefully consider factors such as the annual fee, interest rates and spending requirements before applying.

Best for balance transfers: PNC Core® Visa® Credit Card

“I like the PNC Core® Visa® Credit Card, as it offers competitive promotional financing and standard interest rates,” explains Steele. “It’s a fairly simple card that’s good for those who are trying to pay off debt or those who may need to carry a balance.”

Anyone in the market for a balance transfer card with a lengthy 0 percent introductory APR period.

The PNC Core® Visa® Credit Card offers 0 percent introductory APR for the first 15 billing cycles from account opening on purchases as well as balance transfers made within 90 days of opening an account. After the intro period, a variable APR of 11.24 to 21.24 percent applies, based on your creditworthiness.

With no annual fee, this card may be an attractive option if you’re looking to transfer balances and pay off debt faster. Additionally, you’ll benefit from $0 fraud liability as well as travel and emergency protection.

If you’re looking to complete a balance transfer, make sure you do it within 90 days of opening the account to take advantage of the promotional APR. You should also be aware that this card has a foreign transaction fee of 3 percent and doesn’t offer any rewards.

Lastly, there is a balance transfer fee of 3 percent ($5 minimum) during the first 90 days. After that, the fee jumps to 4 percent ($5 minimum).

To get the most out of this card, make sure you complete a balance transfer within 90 days. If possible, you should try to create a plan to pay off your debt within the first 15 months, when the introductory APR still applies.

Whether you’re looking for a credit card that offers cash back, travel rewards or a balance transfer promotion, PNC Bank has something that may appeal to you.

From this guide to the best PNC Bank credit cards of 2018, you can choose the right card for you and your lifestyle. Just be aware of any fees and read the terms and conditions carefully so you know what you’re getting into and can focus on enjoying the benefits of your new credit card when it arrives.

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PNC Core Visa Credit Card Online Login

Issued by the PNC Bank, the PNC Core Visa Credit Card offers a better way for its customers to save and purchase items with ease. It attracts zero APR on the first 15 billings, for new users, for the purchases you make using the card.

With the PNC Core Visa Credit Card, you can register for online access and have full control of your card information. We have prepared a guide to help you find your way around your credit card, online. To do this you will need to know how to login and enroll for the service.

It is no problem if you can remember your login details. For new users, it will present a great experience when you finally have your login account. Internet access to your credit card will help you manage it the way you want. The process is doing as is as follows:

Step 2: Go to the login space and enter your user ID and then click Login.

What follows is a password section where you have to insert it as required to access your account.

How to get your lost password or user ID

With regard to your password and user ID, you will need to insert the correct details as of when you registered. However, you can forget how your password or user ID was and this will call for the next course of action. Use the steps below to solve this problem:

Step 1: Click the forgot user ID or password phrase.

Step 2: Go to the password section and click the start reset password.

Step 3: Enter the details as required and then click Next.

Step 4: For the username, use the contacts as shown below.

Regardless of where you are, you can access your credit card details as long as you are enrolled for the internet access. It helps you to easily manage your credit card without much effort. You do not need to move in order to know how much your credit limit is. The process of enrolling includes:

Step 1: Click as shown below.

Step 3: Enter your details and then click Next.

Proceed to a few more steps to complete the process.

How to manage your account online

It begins with what you know at this point. Assuming that you have been using the card before you enrolled for online access, you know what it entails. However, for your online access, you will be able to manage all the activities that go one there. You can check the previous transactions on your credit card and pay bills without swiping your card.

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PNC - PNC Core Visa Credit Card

Save on interest with lower rates with a PNC Core Visa Credit Card.

PNC Core Visa Credit Card Reviews - WalletHub

Reviews, rates, fees and customer service info for the PNC Core Visa Credit Card. Compare to other cards …

PNC Core Visa Credit Card Review - CreditCards.com

Read our review of the PNC Core Visa credit card to learn why its solid zero-percent promotional offer and low standard interest rate make a good choice.

PNC Core ® Visa ® Credit Card. . The merchant category code is based on the merchant’s type of business and is assigned by the merchant’s credit card .

The best PNC Bank credit cards of 2018 | Credit Karma

Find out more about the best PNC Bank credit cards of 2018. PNC Bank offers cards for consumers looking to get cash back, . PNC Core® Visa® Credit Card

PNC - Student Credit Card Center

Learn about benefits and features that come standard with our PNC credit cards, . Credit Card Center . PNC Core, and PNC points are registered marks of The PNC .

IMPORTANT INFORMATION ABOUT RATES AND FEES - PNC

PNC CORE® VISA® IMPORTANT INFORMATION ABOUT RATES AND FEES Interest Rates and Interest Charges Annual Percentage Rate . For Credit Card Tips from the

Approved for PNC Core Visa - myFICO® Forums - 4216096

Hello all! When I was researching the PNC Core Visa, I didn't find a lot of information on it. According to PNC's site it's a new card so - 4216096

PNC Core Visa Balance Transfer Review - MagnifyMoney

The PNC Core® Visa® Credit Card is a good offer, but there are other balance transfer deals that offer longer terms, fewer fees, .

Find the credit account that's right for you. Choose from PNC Cash Rewards Visa Credit Card, PNC Core Visa Credit Card, PNC points Visa Credit Card and PNC Premier .

If you’re looking for simple savings, go with the new PNC Core Visa credit card. It’s a smarter way to save on interest.

Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!

Introductory 0% Annual Percentage Rate (APR) on purchases for the first 15 billing cycles following account opening.

Then a variable APR, currently 11.24% to 21.24%, based on creditworthiness. This APR will vary with the market

based on the prime rate.*

Get our LOWEST intro rate on purchases and balance transfers.*

Get our BEST purchase and balance transfer APRs after the intro period ends. [1]

See your overall financial picture.

Get more savings with lower rates

  • Our LOWEST intro rate on purchases for the first 15 billing cycles from account opening to help you save on interest every time you use your card to make a purchase*
  • Our LOWEST intro rate on balance transfers for the first 15 billing cycles from account opening for balances transferred within the first 90 days following account opening to help you pay off higher-rate cards and save on interest*
  • Ongoing savings with our BEST purchase and balance transfer APRs after the intro period ends [1]

Manage your credit card online

A PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device. Learn More »

The PNC Core Visa credit card also features:

  • No Annual Fee
  • Great intro rate balance transfer options

to help you save on interest

  • Dedicated U.S.-based customer service

    We are available 7 days a week to serve you

  • Pay bills easily and on time.

  • Online Account Tools

    Manage transactions, balances or payments.

  • Protection from credit or identity fraud.

  • $0 Fraud Liability

    You won’t be responsible for fraudulent charges on your account.

  • Travel & Emergency Protection

    It’s automatic, whether you’re at home or away.

  • Get a higher yield relationship rate

    When you link your PNC credit card to a qualifying PNC checking account and make 5 or more credit card transactions.

  • Introductory 0% Annual Percentage Rate (APR) on purchases for the first 15 billing cycles following account opening.

    Introductory 0% Annual Percentage Rate (APR) on balance transfers for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Calculate your savings »

    Then, the Purchases and Balance Transfer APRs.

    These APRs will vary with the market based on the prime rate.

    This APR will vary with the market based on the prime rate.

    This APR will vary with the market based on the prime rate

    Either $5 or 3% of the amount for each balance transferred during the first 90 days following account opening, whichever is greater. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.

    Calculate Your Savings When You Transfer A Balance

    Estimate your savings when you transfer your credit card or other debt balances to a new PNC Core Visa

    Enter your current credit card or debt balances

    During the 15-month 2 promotion period:

    NOTE: After the promotion period, a variable APR currently 11.24% to 21.24% based on creditworthiness will be applied.

    Calculations & Assumptions: The savings reflected are approximate and are calculated on the difference in interest charges between the higher APR cards you entered and the lower introductory balance transfer APR offered by PNC Bank. Actual savings may be impacted based on your purchase and payment activity. Fees other than the balance transfer fee are not taken into consideration. No upper limit to balance transfer fees are considered. Additionally, it is assumed that no other balances are on the account other than the transferred balance that is subject to the promotional rate. For purposes of this calculator, the minimum payment is calculated as 1% of principal balance plus interest and fees. Your minimum payment may be different. See your credit card agreement for details.

    1. Balance transfer amount are subject to limitations and restrictions.

    2. The promotion period is the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.

    • Online through the website
    • By phone: 1-800-762-5684 (Mon - Fri: 7am to 10pm ET; Sat - Sun: 8am - 5pm ET)
    • Social Security Number
    • Monthly housing payment
    • Total annual income.

    You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.

    Manage Your Credit Cards Online

    Add the power of PNC Online Banking or Virtual Wallet to your PNC Visa Credit Card and see how easy it can be to keep track of your day-to-day spending.

    Pay online the easier way with Visa Checkout and your PNC card. Breeze through checkout when shopping online with a single sign-in anytime you see the Visa Checkout button.

    With Apple Pay, you can now use your iPhone 6s, iPhone 6, or iPhone SE at hundreds of thousands of merchant locations nationwide to conveniently make purchases with your PNC Visa cards, all without reaching for your wallet.

    PNC Core Visa Credit Card Reviews

    The PNC Core Visa is part of a class of credit cards known as zero-interest cards because PNC will give you 15 months of interest-free purchases and balance transfers with no annual fee.

    • Category:
    • Finance
    • Review Topic:
    • Credit Cards,
    • Personal Finance
    • Website:
    • www.pnc.com

    About PNC Core Visa Credit Card

    When I first took a look at the PNC Core Visa, I saw a card that was pretty much the same as many of the low-interest credit cards I’ve looked and used myself.

    But one of the things I’ve learned is that even though credit cards may all look the same, there are always specific details and benefits that make cards unique.

    So, while it’s easy to get lulled into a mindset where all credit cards of a particular genre – low-interest, in this case – are the same, the smart consumer will dig a little deeper and find out how one card compares to another.

    What I’m going to do in the next few minutes is take a close look at this card and find out which details and features make this card different than the rest.

    As I figure these things out, you’ll learn about what this card can offer you in the short-term and the long-run. I’ll also talk about the interest rates and fees you can expect with this card, too.

    When I wrap up this review, I’ll give you a quick-hit list of the PNC Core Visa’s pros and cons, as well as who would be a good fit for this low-interest credit card.

    What You Can Expect from the PNC Core Visa in the First 15 Months

    When you’re talking about low-interest credit cards, the first thing you should ask is: How long do I get 0% APR?

    That’s an important question because PNC is marketing the Core Visa as a way to save money.

    “If you’re looking for simple savings, go with the new PNC Core Visa credit card,” their website says. “It9rsquo;s a smarter way to save on interest.”

    So, let’s take a look at that claim and how it relates the Core Visa’s no-interest offer.

    15 Months of 0% APR on Purchases and Balance Transfers

    From my perspective and based on my research, 0% APR credit cards are marketed as ways to save money because they give you the chance to buy things and make balance transfers without having to pay interest on them for 15, as is the case with the PNC Core Visa.

    How exactly do you save money with a zero-interest card? Well here’s how it works.

    Using the Zero-Interest Core Visa for Purchases

    One of the advantages of the PNC Core Visa is that you can make purchases anytime in the first 15 months of owning the card and you won’t pay any interest on those purchases.

    Consumers and experts like to use low-interest cards to make big purchases that they can pay back over time without any interest. This is sometimes called “same-as-cash9rdquo;.

    This philosophy is most helpful in specific situations where you have to spend more than you usually do on a product or service. Let me give you an example.

    You have to have a medical procedure done in a couple of months and you know it’s going to cost you a few thousand dollars. Even though you’ve got decent income coming in and breathing room in your budget at the end of the month, your cash reserves can’t cover the bill.

    So, you sign up for the PNC Core Visa so you can pay for the procedure and, instead of paying for it all at once with cash, you can spread the payments out on your Core Visa without paying interest. It’s like a reverse layaway – you get the good or service up front and then make payments as opposed to making payments then getting the good or service.

    There’s one thing you need to remember, though. Once your 15-month intro period ends, PNC will charge you interest on any remaining balances you have on the card.

    Using Your Zero-Interest Core Visa for Balance Transfers

    Another popular reason to use a zero-interest card like the PNC Core Visa is for balance transfers.

    The typical scenario in which you could use this trick is when you have a balance on another credit card that has a high APR, although any balance that’s accruing interest is fair game.

    So, let’s say you have a credit card with a $5,000 balance and a 15.99% APR and you want to pay it off in 15 months. According to Bankrate.com’s credit-card payoff calculator, you’d pay $955 in interest at the end of your 15-month goal.

    If you transferred that balance to your PNC Core Visa, you wouldn’t pay any interest. However, you’ll pay a 3% balance-transfer fee, which would be $150 on a $5,000 balance. While the fee is a little frustrating, paying a $150 fee is far better than paying $955 in interest.

    There are two things you need to keep in mind about your PNC Core Visa balance transfer offer. First, you have 90 days from the day you’re approved for the card to make a balance transfer eligible for 0%. Second, if you have any of those 0% balances left at the end of 15 months, PNC will charge you interest on them.

    What You Can Expect From the PNC Core Visa After the First 15 Months

    Once your introductory APR’s disappear, it’s back to business as usual with the PNC Core Visa. Your APR is going to be between 10.99% and 20.99% depending on what your credit scores are. The better the score, the lower the APR.

    As far as low-interest credit cards go, the PNC Core Visa’s APRs are the lowest compared to the competition we scouted out in our Best Low Interest Credit Card of 2017.

    While it’s good news that the Core Visa’s APR is lower than the most popular zero-interest cards, APR in itself is bad news. You want to avoid it at all costs and the best way to do that is to pay your balance in full every month.

    In addition to keeping your balance at zero, you’ll want to avoid any late payments. Why? Because the moment you make a late payment, PNC will charge you a penalty APR of 29.99%. You can get your APR returned to normal if you make six consecutive on-time payments, the PNC Core Visa’s fine print says.

    Penalty APR is the credit card issuer’s way of orchestrating an additional way to earn some money from you. Not every card has them. However, those that do can be very dangerous, financially speaking, if you carry big balances and tend to pay late.

    Other important fees you need to remember are the PNC Core Visa’s late/returned payment fees – up to $35 – and the card’s 3% foreign transaction fee.

    Pro tip: The PNC Core Visa has no annual fee.

    Core Visa Rates and Fees Summary

    Here’s a quick list of the rates and fees for easy reference:

    Expert and Consumer Reviews of the PNC Core Visa

    Several other sites besides HighYa have reviewed the Core Visa and have come to the same conclusions we have. It’s a solid low-interest card whose APR’s make it very competitive with some of the more well-known credit cards in this genre.

    Consumer reviews are relatively thin and the few that we read were mixed. Since the sample size was so limited – we’re talking two or three – we feel these reviews aren’t representative of general opinion.

    Closing Thoughts on the PNC Core Visa

    After researching the Core Visa’s benefits and perks, we think the card has some really clear advantages and one major drawback.

    The obvious pros of this card are its 15-month, no-interest offer on balances and purchases as well as the low-end APR of 10.99%.

    The main drawback of this card is the 29.99% penalty APR that kicks in when you make a late payment.

    Based on my research, I believe the PNC Core Visa is an excellent choice for someone who wants to transfer a balance and who makes their payments on-time.

    The Final Word: A Legitimate Low-Interest Choice

    If you can make your monthly payments on time and pay off your balance by the end of the 15-month intro period, we think this card is an excellent choice for you.

    If you aren’t convinced or you want to do more research, take a look at our reviews of the following low-interest credit cards: Citi Simplicity and Citi Diamond Preferred.

    Both of these cards offer 0% interest on purchases and balance transfers for 21 months, but their long-term APR’s are higher and there are a few other features that make them different from each other and from the PNC Core Visa.

    Write a Review for PNC Core Visa Credit Card!

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