The PNC Core Visa Credit Card is offering a $100 Bonus Cash welcome offer that you can get when you spend $1,000 within the first three billing cycles from your account opening. This is a pretty decent offer compared to the other welcome offer we have.
If you’ve never heard of the PNC Core card, then you’re going to want to listen up. It is a simple, low-rate credit card that is a great option for those who are going to carry a balance.
Also, if you’re planning on transferring your balance elsewhere, PNC offers a large window to do that. This will help you pay off your debt in a shorter amount of time.
|Chase Sapphire Preferred Card 100K Points*||Citi Premier® Card 80K Points*
|The Platinum Card® from American Express 100K Points*||Capital One Venture Rewards Credit Card 60K Points*|
|American Express® Gold Card 60K Points*||Citi CustomSM Cash Card $200 Bonus*|
|Chase Freedom Flex $200 Bonus*||Chase Freedom Unlimited Card $200 Bonus*|
|Blue Cash Preferred® Card from American Express $150 Bonus*||Blue Cash Everyday® Card from American Express $100 Bonus*|
|Chase Ink Business PreferredSM Card 100K Points*||Chase Ink Business UnlimitedSM Credit Card $750 Bonus*|
|U.S. Bank Altitude® Go Visa Signature® Card $200 Bonus*||Capital One Quicksilver Cash Rewards Card $200 Bonus*|
|Wells Fargo Platinum card 18 Months of 0% BT & Purchases||*Must make minimum spending requirement to earn bonus|
*Check out PNC Bank bonuses for Checking & Savings accounts.
Table of Contents
PNC Core Visa Credit Card Summary
|Bonus Available||Get a $100 bonus after you make $1,000 in purchases during the first 3 billing cycles following account opening. This offer is only valid when you apply directly with PNC.|
|Introductory Rates||0% APR on purchases and balance transfers for the first 15 billing cycles from account opening.
Either $5 or 3% of the amount for each balance transfer during the first 90 days following account opening, whichever is greater.
|Foreign Transaction Fees||3%|
(Visit PNC Bank to learn more)
PNC Core Card 50,000 Bonus Points Offer
Earn the PNC Core card’s $100 bonus offer by charging at least $1,000 to your card within the first 3 billing cycles after opening your account.
To actually be eligible for this card, you must apply at PNC.com, at a physical PNC bank branch, or by calling 1-800-762-5684.
Here are some ideas on meeting the spending requirement:
|• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well.|
|• Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.|
|• Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't.|
|As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.
Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.
PNC Core Card Introductory APR
One of the best things about the PNC Core card is that it comes with an introductory 0% APR on both balance transfers and purchases for the first 15 billing cycles after opening your account.
However, after that introductory period, you will be subjected to a variable APR of 12.24% to 22.24%, depending on your creditworthiness. This isn’t too bad, so it can keep your debt from getting out of your hands.
Keep in mind that late payments will make you ineligible for the introductory APR. Another consequence you will face is the variable penalty APR of 31.24%, which will stick on your account until six consecutive, on time payments have been made.
To get the introductory 0% APR offer on balance transfers, you must transfer your balance within 90 days of account opening. During the introductory period, you will have access to a fee of $5 or 3% of the balance, whichever is greater. After that, the fee is $5 or 4% of the balance transfer amount.
PNC Points Card Availability
An important note to keep in mind is that the PNC Core Visa Credit card is limited within PNC’s network, which includes:
- District of Columbia
- New Jersey
- New York
- North Carolina
- South Carolina
- West Virginia
|Best Credit Card Categories|
|0% APR||Airline Rewards||Balance Transfer|
|Cash Back||Hotel Rewards||Military|
|No Annual Fee||No Foreign Transaction Fee||Premium|
|Small Business||Student||Travel Rewards|
The PNC Core Visa Credit Card is the card for you if you’ve been a victim of the high APR on your credit card. If you live in one of the states that PNC Bank services (listed above) then take advantage of the perks of this card.
Doing a balance transfer with the perks offered by this card can save you a lot of money. For more posts like this, check out our list of PNC Bank Promotions and other credit card bonuses, here on HMB!
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.