Best PNC Credit Cards (2026)
Compare all PNC credit cards and find the best fit for your spending.
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Frequently Asked Questions
What is the best PNC credit card?
The PNC Spend Wise Visa is currently the top-rated PNC card, offering no annual fee and a strong welcome offer for new cardholders.
Does PNC have a credit card with no annual fee?
Yes — the PNC Spend Wise Visa has no annual fee and earns 1x base rewards on purchases.
What credit score do you need for a PNC card?
Most PNC credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.
What rewards do PNC credit cards earn?
PNC credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.
Are PNC credit card points worth it?
PNC points and miles offer strong value, especially when redeemed for travel. Pairing multiple PNC cards can maximize your earning across categories.
How do I apply for a PNC credit card?
You can apply directly through https://www.pnc.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.
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