PNC Core Visa Credit Card Review

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The PNC Core Visa Credit Card (issued by PNC Bank) offers a two-punch approach to beating down credit card debt. It starts with a decent 0% introductory APR period and follows up with a low ongoing APR.

PNC Core® Visa® Credit Card

Overall Rating
2.9
PNC Core® Visa® Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 9.99% - 19.99% variable
Annual Fee $0
Balance Transfer Fee 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.
INTRO BALANCE TRANSFER APR 0% for 15 Billing Cycles
Ratings Breakdown
for Interest
3.5
for Fees
3.1
for Rewards
1.8
for Credit
3.7
Current Offer

Earn a $100 credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening.

Who Is This Credit Card Best For?

  • Avatar for Debt Warrior Persona
    Attacks existing balances while avoiding new debt See more cards
    Debt Warrior
  • Avatar for Credit Builder Persona
    Takes improving their finances seriously and wants recognition for using credit responsibly See more cards
    Credit Builder

The PNC Core Visa Credit Card is a decent choice if you’re looking to cut back on the amount of interest you pay, whether it’s for a large, one-time purchase, carrying a balance over time, or both. And if you have excellent credit, the card’s low-end APR is hard to beat.

However, there are other cards out there that offer longer interest-free periods for balance transfers and purchases, and a couple have lower ongoing APRs.

Pros
  • Low interest rate

  • Decent intro APR period

  • Good introductory bonus

Cons
  • No rewards

Pros Explained

  • Low interest rate: The PNC Core Visa’s interest rates are competitive, beating out nearly every other card similar to it. A low APR means you’ll save money on interest payments if you carry a balance. 
  • Decent intro APR period: You won’t pay any interest for 15 months on new purchases or balance transfers, which is standard for cards like this one but relatively rare among all credit cards.
  • Good introductory bonus: This card doesn’t come with rewards but if you spend at least $1,000 within the first three billing cycles, you could get a $100 statement credit.[IC]

If you make one late payment, you could lose your 0% introductory APR.

Cons Explained

No rewards: Aside from the modest intro bonus, this card doesn’t provide points or cash back on your spending.

PNC Core Visa Credit Card’s Bonus for New Cardholders

While you won’t earn rewards on purchases, you can qualify for a $100 statement-credit bonus if you can spend $1,000 in the first three billing cycles. The statement credit should appear within three months of the day you hit the spending requirement.

How to Get the Most Out of This Card

One of the best ways to leverage this card’s 0% offers is to transfer a balance from a card that’s charging you interest, or use it to finance an expected purchase. For example, if you have a car repair you have to make, you can use this card to pay for the repair and then spread out your payments over as many as 15 months without interest.

While the 15 month 0% APR on balance transfers is a good offer, note the fee. You’ll be charged the greater of $5 or 3% of the value of each transfer initiated in the first 90 days. After that the fee bumps up to $5 or 4%. If you’re planning on making a balance transfer, do so in the first 90 days, and be sure to factor in the fee. 

Be warned, though: Although this card might come with a lower-than-average interest rate, don’t let that tempt you into thinking it’s fine to carry a balance after the 15 months is over. If you’re able to do it, it’s always best to pay your off as soon as possible.

Customer Experience

PNC Bank came in second out of 11 regional issuers in a 2020 J.D. Power study, and its mobile app finished third among 10 national banks in another 2020 J.D. Power study. Although this bank is based in the eastern United States, it still has a nationwide digital presence. PNC Bank offers good options for getting in touch with account questions: a U.S.-based customer support phone number available seven days a week and live online chat. 

Security Features

You can expect a standard set of security features with PNC Bank, such as $0 fraud liability, a “lock” option for locking your card if you lose it or someone steals it, and two-factor authentication when you log into your account.

PNC Core Visa Credit Card’s Fees to Watch Out For

The PNC Core Visa doesn’t charge too many excessive fees compared with other cards. One exception, however, is its penalty APR. If you make a late payment, PNC might apply a 28.99% APR to your account until you make six consecutive on-time minimum payments.

Next Steps
For PNC Core® Visa® Credit Card
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CURRENT CARD
PNC Core® Visa® Credit Card
overall rating
2.9
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 9.99% - 19.99% variable
Annual Fee $0
Balance Transfer Fee 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.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. PNC. "PNC Core Visa: Important Information About Rates and Fees." Page 2. Accessed Aug. 26, 2020.

  2. PNC. "Compare Credit Card Offers & Apply Online." Accessed Aug. 26, 2020.

  3. PNC. "PNC Core Visa: Important Information About Rates and Fees." Page 1. Accessed Aug. 26, 2020.

  4. J.D. Power. "2020 U.S. Credit Card Satisfaction Study." Accessed Aug. 26, 2020.

  5. J.D. Power. "2020 U.S. Banking Mobile App Satisfaction Study." Accessed Aug. 26, 2020.