Best PNC Bank Credit Cards 2026

Compare the best PNC Bank credit cards. Welcome bonuses, annual fees, rewards rates — ranked from our full PNC Bank catalog of 1 active cards.

Compare the best PNC Bank credit cards. Welcome bonuses, annual fees, rewards rates — ranked from our full PNC Bank catalog of 1 active cards.

PNC's one card in our catalog, the PNC SpendWise Visa, earns no rewards. It is built for a low ongoing APR and a long introductory rate on purchases and balance transfers, which is why it appears in our balance-transfer and 0% APR comparisons rather than the rewards rankings. There is no annual fee and no welcome bonus.

PNC also issues cash-back and points cards for its customers, and we add them to the catalog when we can read their current terms on PNC's own pages. Until then this hub lists the SpendWise card only, with PNC's published rate terms quoted on its card page as of the date shown there.

If you are comparing low-rate cards, the useful question is the length of the introductory period and the balance-transfer fee, both of which are on the card page, next to the same figures for the other issuers' low-rate cards in our catalog.

Three numbers decide a low-rate card, and all three are on the SpendWise card page: how many months the introductory rate lasts, what the balance-transfer fee is as a percentage of the amount moved, and the regular APR range that applies afterward. A card with a longer promotional period but a higher transfer fee can cost more on a small balance than a shorter one with a lower fee, so run the balance you actually plan to move through both before choosing. Our balance-transfer comparison does that arithmetic for every low-rate card in the catalog, PNC's included.

1 PNC Bank cards we track