PNC is a major bank with a long history in the United States. It’s also one of the most popular credit card providers out there, so it’s no surprise that PNC reviews are popular on various websites. What is surprising, however, is just how many different types of PNC reviews there are. This variety gives you a good indication of just how versatile this bank’s products and services are. So if you’re looking for a good credit card to use, be sure to check out PNC reviews first. They’ll give you all the information you need to make an informed decision.
What is Pnc?
PNC credit card is a well-known and reliable bank in the United States. The company offers a wide range of products, including credit cards, mortgages, and banking products. It is one of the most popular banks in the country.
What makes PNC credit cards stand out from other banks?
PNC credit cards have high approval rates and many rewards programs that can be valuable to cardholders. Some of the benefits include:
Low interest rates on purchases and balance transfers
Rewards programs that give cardholders bonuses for spending, points earned for travel purchases, and more
24/7 customer service available through phone or online chat
The PNC Platinum Plus Mastercard has an introductory 0% APR period on Purchases and Balance Transfers for 12 months; this offer is available to new cardmembers as well as current cardmembers who are renewing their card. After the intro period, ongoing APR rate is 14.49%.
History of Pnc
The history of PNC dates back to 1822, when Pittsburgh National Bank was founded. The bank became a major player in the financial world and grew to become one of the largest banks in the United States. In 1999, PNC merged with First Union Corporation, creating one of the largest banking institutions in the country. Today, PNC provides services to more than 12 million customers across the United States and operates more than 1,600 branches.
PNC is a leading provider of credit cards and other financial products. The company offers a variety of credit cards, including personal and business cards, as well as debit cards. It also offers loan products, such as personal loans and home loans. PNC has a reputation for providing quality products and services to its customers.
Customers can access PNC’s online banking services through various platforms, such as desktop computers, mobile devices, and tablets. Customers can also access these services through PNC’s branches or by calling toll-free numbers. In addition to online banking services, PNC offers mobile app support that allows customers to conduct transactions using their smartphones and tablets.
PNC is a member of the American Banking Association (ABA) and the Federal Reserve System (FRB). As part of these groups, it participates in providing resources to help resolve money laundering and terrorist financing issues. Additionally, PNC participates in numerous community programs that benefit local communities throughout the United States.
Credit Cards by Pnc
When it comes to credit cards, PNC is a major player. They offer a wide range of credit cards that can be used for a variety of purposes. Here are four of our favorite Pnc credit cards:
1. Pnc Cash Rewards Credit Card: This card offers rates of 5% on all purchases, plus rotating bonus categories each quarter. The annual fee is waived the first year and there’s no annual fee the second year.
2. Pnc Platinum Credit Card: This card offers a rate of 0% on Purchases for the first six months, then a low APR of 14.99%. There’s also a special $100 sign-up bonus after you spend $500 in qualifying transactions in the first 90 days.
3. Pnc Secured Credit Card: This card offers an introductory rate of 0% on Purchases and Balance Transfers for 12 months, with an APR of 14.99%. After that, the APR is 23.9%. You’ll need to put down 3% of your total purchase value as security deposit to get this card.
4. Pnc Cash Back Credit Card: This card offers unlimited cash back rewards on every purchase, which can be redeemed online or at participating retailers. The rewards rate is 1% on all purchases, except for select groceries and department stores where it’s 2%. There’s no annual fee and no late fees either – perfect if you’re short on cash!
Benefits of a Pnc Credit Card
PNC Bank credit cards are some of the most popular around because of the many benefits they offer cardholders. Here are five reasons you should consider a PNC credit card:
1. Rewards Programs
Many PNC credit cards offer great rewards programs, which can get you big savings on your purchases. You could earn points for every dollar you spend and use them to purchase products and services online or in-store. Some of the best rewards programs include those from Chase Sapphire Preferred® Card, Capital One® Venture® Credit Card, and American Express® Gold Card.
2. Low Interest Rates
One reason why PNC credit cards are so popular is their low interest rates. Many offer 0% APR for Purchases and Balance Transfers for 12 months, and then from 18-24 months have an adjustable rate based on your credit score. This means that even if you have a bad history with your credit, you can still take advantage of a low interest rate on a PNC credit card.
3. Secure Shopping Platforms
Another benefit of using a PNC credit card is the secure shopping platforms it offers its users. This means that your personal information is kept safe when you make purchases online or in stores. You can also use the security features to help keep your identity safe while making payments on your account.
4. Easy Access to Cash advances and Debt consolidation loans
If ever you find yourself in a bind financially, having access to cash advances and debt consolidation loans through a PNC credit card can help get you out of a tough situation. Cash advances can be used to cover short-term expenses, while debt consolidation loans can help you reduce or pay off your balances entirely.
5. Rewards for loyal customers
PNC offers rewards for its customers that are based on how much credit card spending they do each month. This means that the more you spend on your PNC credit card, the more rewards you could earn. These rewards could include cashback, travel credits, or free products and services.
Fees and Rates for a Pnc Credit Card
PNC cards come with a wide range of benefits, but like all credit cards there are fees and rates that you’ll have to pay. Here’s a look at the main fees and rates for a PNC card:
annual fee: $0 for the first year, then $95
APR: 12.99% – 23.99% variable
minimum payment: The minimum monthly payment is required every month unless you make at least the minimum payment plus interest and any outstanding balance on your account. Then, your minimum payment will be reduced to reflect the amount you’ve paid in total over the past two months.
There are other rate details specific to PNC cards that you should review with your credit card company before applying, like how long it takes for your introductory rate to expire and what kind of rewards program they offer. But overall, these rates should give you an idea of what to expect when opening an account with PNC.
How to Apply for a Pnc Credit Card
If you’re thinking of applying for a PNC credit card, take some time to read our reviews first. We’ll tell you everything you need to know about this popular card and how to get the best rates and terms.
First things first: if you already have a PNC account, signing up for a credit card is easy. Just head to the account overview page, select “Apply for Credit” from the menu on the left, and fill out the simple application form.
Once you’ve applied and been accepted, your new credit card will be available in your online account. You can use it just like any other card – charge items to it, spend it at stores, pay off debts using its 0% introductory APR until December 2018, etc.
One thing to keep in mind is that PNC cards are popular with people who have good credit score – meaning that your borrowing capacity (measured by your FICO score) is high enough that we think you’re likely to repay what you borrow. So if your score isn’t as great as we’d like it to be right now or if there’s anything unusual in your history (like a recent bankruptcy), don’t apply for a PNC card just yet! There are plenty of other great cards out there for people with lower scores or who have had some problems in the past.
Thank you for reading our review of the PNC Credit Card. We hope that we were able to provide you with enough information to make an informed decision about whether or not this is the right card for your needs. If you have any questions, please don’t hesitate to contact us at [email protected] and we will be more than happy to help. Thank you again for taking the time to read our review and we hope that you found it helpful!