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.
For a no annual fee card with the same introductory offer, check out the Chase Freedom.
*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%|
- No annual fee
- Welcome bonus
- Intro 0% APR
- Good-Excellent credit needed to qualify
- Limited availability
- No ongoing rewards
- Foreign transaction fees
Editor’s Alternate Pick
The Chase Freedom FlexSM offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
• 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter!
This card has no annual fee.
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.
What’s the Competition?
The Capital One® Quicksilver® Cash Rewards Card offers a one-time $200 cash bonus after spending $500 on purchases within 3 months from account opening.
You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card.
The Capital One® SavorOne® Cash Rewards Credit Card offers a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.
You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees.
The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
You'll earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% back on other purchases.
There are no annual fees with this card (See Rates & Fees).
The American Express Cash Magnet® Card offers $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
You'll earn unlimited 1.5% Cash Back on your purchases; your cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
The card has no annual fee. (See Rates & Fees).