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The PNC Core Visa Credit Card has an offer for $100 bonus cash when you spend $1,000 within the first three billing cycles. This offer is modest compared to the other offers we have listed. However, it comes with no annual fee. The Chase Freedom card offers a comparable introductory bonus and is also a no-annual-fee card.
PNC Core is a simple, low-rate credit card, so it’s a solid option for those who plan to carry a balance. It also offers a long introductory balance transfer and purchase period – 0% APR for 15 billing cycles – giving you ample time to pay off your debt as quickly as possible.
However, the PNC Core Visa card isn’t open to everyone. You must live in a state where the bank operates in order to apply.
*Check out PNC Bank bonuses for Checking & Savings accounts.
| 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. |
| Bonus Value* | $100 |
| 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. |
| Ongoing Rewards/Benefits | No ongoing rewards or benefits. |
| Foreign transaction fees? | 3% |
| Annual Fee | $0 |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
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PROS
- No annual fee
- Welcome bonus
- Intro 0% APR
CONS
- Good-Excellent credit needed to qualify
- Limited availability
- No ongoing rewards
- Foreign transaction fees
CHASE FREEDOM FLEX℠
The Chase Freedom Flex℠ credit card is going to earn you a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. The welcome bonus comes in the form of 20,000 Ultimate Rewards points. This card has no annual fee.
This card earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (new categories each quarter). Travel purchased through Chase also earns 5%.
This card earns Ultimate Rewards (UR) points and is a popular option for a multi Chase card strategy. You can pool points together with consumer cards like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. Or, with a business card like the Ink Business Preferred® Credit Card. The 20,000 UR points could be worth around $400 with this strategy, rather than the standard $200. Read more on this here.
PNC Core Card $100 Bonus Cash Offer
Take advantage of the PNC Core card’s $100 bonus offer. To qualify, charge at least $1,000 to your card within the first 3 billing cycles after opening your account.
The offer is only valid if you apply via PNC.com, at a PNC Bank branch or by calling 1-800-762-5684.
Here are some ideas on meeting the spending requirement:
PNC Core Card Introductory APR
The PNC Core card comes with an introductory 0% APR on both balance transfers and purchases for the first 15 billing cycles after account opening. Beyond that, you’ll be subject to a variable APR of 12.24% to 22.24%, depending on your creditworthiness. The post-introductory rate is a relatively low one, which can keep your debt from spiraling out of control.
Late payments will result in loss of the introductory APR. Plus, you’ll be subject to a variable penalty APR of 31.24%, which applies until six consecutive, on time payments have been made.
Balance Transfers
To qualify for the introductory 0% APR offer, you must transfer your balance within 90 days of account opening. During this time, you’ll benefit from an introductory 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 Core Card Availability
PNC Core is limited to states where PNC Bank has a physical branch. Those states are:
- Alabama
- Delaware
- District of Columbia
- Florida
- Georgia
- Kentucky
- Indiana
- Illinois
- Maryland
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Virginia
- West Virginia
- Wisconsin
If you’re a resident elsewhere, you’ll have to consider other credit card options.
Bottom Line
Are you feeling trapped by the high APR on your current card? If you live in a state with a PNC Bank branch, the PNC Core credit card is a good solution. You might be able to save hundreds to thousands of dollars every month by doing a balance transfer.
With PNC Core in hand, your best bet is to make a plan to pay off your debt within the first 15 billing cycles, while the introductory rate applies.
What’s The Competition?
Below are some of the top competitors to the PNC Core Visa credit card you should consider.
CAPITAL ONE® QUICKSILVER® CASH REWARDS CREDIT CARD
The Capital One® Quicksilver® Cash Rewards Credit Card will earn a $200 bonus when you spend $500 on purchases within the first 3 months. The bonus offer is comparable to its top competitors, but this card earns a respectable 1.5% cash back on every purchase with no limit on how much you can earn. There are no spending categories to keep up with and the cash back won’t expire while the account is open.
People like this card because of the cash back rate, the flexibility to redeem your cash back for any amount, and there’s no annual fee.
CAPITAL ONE® SAVORONE® CASH REWARDS CREDIT CARD
The Capital One® SavorOne® Cash Rewards Credit Card has a $200 bonus when you spend $500 on purchases within 3 months of account opening. This card has no annual fee. The annual-fee version of this card is the Capital One® Savor® Cash Rewards Credit Card.
This SavorOne card earns unlimited 3% cash back on dining and entertainment spending. Grocery store spending earns 2% cash back. All other purchases earn 1% cash back. There are no rotating categories to worry about and the cash back won’t expire while the account is open.
BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Blue Cash Everyday® Card from American Express has a promotion for a $200 statement credit after you spend $2,000 in purchases on your card within the first 6 months of card membership.
This card earns 3% at U.S. supermarkets, up to $6,000 per year in purchases (then 1% after you reach the cap). You’ll also get 2% at U.S. gas stations & select U.S. department stores and 1% cash back on other purchases.
This is one of the best welcome bonus offers for a card with no annual fee, and the ongoing cash back rate makes sense for those that spend heavy at U.S. supermarkets and U.S. gas stations. See Rates & Fees, Terms Apply.
AMERICAN EXPRESS CASH MAGNET CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The American Express Cash Magnet Card is offering a $150 statement credit when you spend $1,000 in purchases within the first 3 months of account opening. This is a good bonus offer and is what you’d expect from a competitive no-annual-fee credit card. See Rates & Fees, Terms Apply.
This card earns unlimited 1.5% Cash Back on all your purchases. There are no categories to keep up with.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.