Credit Cards » PNC

PNC Credit Cards Alternatives

No matter what your usual expenses are, if you're banking with PNC and aren't carrying one of the three PNC credit cards, you should consider them. With no annual fees and plenty of different ways to either save money or earn rewards in the PNC points program, there's an option for every PNC bank customer.

Alternative Credit Cards for PNC Shopping and more

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% (12 months (on balance transfers made within 45 days of account opening))N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first year
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.49%, 20.49% or 25.49% variable$0
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (15 months (on balance transfers made within 45 days of account opening))0% (15 months)13.49% Variable$0

Match PNC Credit Card to Your Lifestyle

PNC credit card services currently offer three different cards, all geared towards rewarding people who currently hold PNC checking accounts. The three cards - the PNC Cashbuilder card, PNC Flex credit card, and PNC points Visa - all carry the Visa logo and are financed through the PNC Financial Services Group, Inc. Each card carries a different main perk to appeal to your individual needs.

Each PNC Bank credit card differs slightly in rates, with the PNC Flex Visa carrying the lowest APR and Cashbuilder VISA carrying the highest. The fees for each card regarding late or returned payments and foreign transactions are the same, but that's as similar as these cards get.

The Cashbuilder is the PNC VISA Credit Card you're looking for if you'd like to focus on earning cash back with each of your purchases. The least amount back you'll net is 1.25% for less than $2,000 in purchases, regardless of the type of purchase. That is already more than a lot of cash back programs. But the more you spend the more you earn, up to 1.75% back.

Even if you can't meet the minimum purchase requirements, you can still earn 1.5% or 1.75% back if you have a qualifying deposit account with PNC and maintain a minimum average monthly balance. You can start redeeming your earned cash when you've acquired as little as $50.

If cash back isn't your thing, you'll be glad to know the PNC Points VISA offers a system where you can redeem points for merchandise, electronics, gift cards, travel, and more. If you do ever get hungry for money, cash is still a reward option. The card allows you to gain four points for every dollar spent on qualifying purchases, with the ability to earn more if you meet your minimum balance or certain deposit requirements.

Last but not least, for those of you who frequently maintain a balance on your credit card, the PNC Flex Visa will allow you to save on interest by offering a lower balance transfer rate. You'll also still be enrolled in the PNC Points program and earn the same 4 points per dollar as the PNC points VISA.

Whether you want a new stereo, a cruise, or just cold hard cash back, the PNC Credit Cards have something for everyone. With two financial powerhouses backing your purchases - PNC and VISA - you can start earning back without a worry in the world.

PNC Financial Services Group, Inc. currently operates as the fifth largest bank in the United States in regards to its number of branches, and is the sixth largest in assets with over $270 billion behind its many financial operations. The bank, a publicly traded entity, is currently headquartered in Pittsburgh, and has thousands of branches and off-premise ATMs spread throughout eastern half of the United States.