PNC

3.3

Overall Score

No User Reviews

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For over 160 years, PNC has provided banking and other financial services, including loans and credit cards, to individuals, small businesses, corporations, and government entities.

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#20 PNC Logo PNC

3.3

Overall
Score

0 User Reviews

The Good

  • Competitive APRs
  • Rewards programs
  • Limited annual fees
  • Fraud safeguards

Competitive APRs

Depending on the card, PNC offers an introductory rate of 0 percent for the first 12 to 15 billing cycles. After that, APRs range from 10.24 to 22.24 percent*, which is competitive when compared to rates offered by other companies in the industry.

Rewards Programs

PNC offers a number of rewards programs that allow cardholders to earn points that can be redeemed for travel rewards, gift cards, and cash. The company also offers cash back for travel, gas, and groceries.

Limited Annual Fees

There are no annual fees charged for every PNC credit card except one, which charges an annual fee of $85 after the first year.

Fraud Safeguards

PNC provides security assurance, which functions as protection from fraud. The company offers zero liability, which means that cardholders are not held responsible for unauthorized charges. PNC also offers enhanced chip technology and warranty manager services for extra protection.

The Bad

  • Late payment penalties
  • Foreign transaction fees
  • No free credit score tracking

Late Payment Penalties

For every late payment, PNC charges a fee of up to $35.

Foreign Transaction Fees

PNC charges a foreign transaction fee of 3 percent of the total charge, which is one of the highest fees in the industry. This is especially inconvenient for frequent travelers.

No Free Credit Score Tracking

Some credit card companies provide their customers with the ability to track and monitor their credit score for free. Unfortunately, PNC does not offer this service.

The Bottom Line

PNC offers competitive APRs, rewards programs, limited annual fees, and fraud safeguards. However, the company charges late payment and foreign transaction fees and does not provide its cardholders with free credit score tracking.

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