The best PNC Bank credit cards of 2019

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In a Nutshell

PNC Bank offers several credit cards for consumers looking to get cash back, travel rewards and more. Find out more about the best PNC Bank credit cards of 2019.

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 At a glance: The best PNC Bank credit cards

Best for travel rewards PNC Premier Traveler® Visa Signature® Credit Card
Best for balance transfers PNC Core® Visa® Credit Card

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…

What is PNC Bank?

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.


 

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.

Who’s it for?

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

Why we like it

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.

Watch out for

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.

How to use it

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.

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

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PNC Core® Visa® Credit Card

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“I like the PNC Core® Visa® Credit Card, as it offers competitive promotional financing and standard interest rates,” Steele says. “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.”

Who’s it for?

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

Why we like it

The PNC Core® Visa® Credit Card offers 0% 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 12.24% - 22.24% 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.

Watch out for

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% and doesn’t offer any rewards.

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

How to use it

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 billing cycles, when the introductory APR still applies.


Bottom line

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.