PNC Core Visa Credit Card Review

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PNC Core® Visa® Credit Card PNC Core® Visa® Credit Card
Editor’s Score: (3.9/5)
Learn more externa link icon At our partner’s secure site
PNC Core® Visa® Credit Card
Editor’s Score: (3.9/5)
  • Introductory balance transfer rate:
    0% for the first 15 billing cycles on balance transfers made within 90 days of account opening.*
  • Annual fee:
    $0*
  • Regular APR:
    9.99% – 19.99% (Variable)
  • Recommended credit score:
    740-850 (Excellent)

NextAdvisor’s Take

Pros
  • No annual fee
  • 0% intro APR on purchases and balance transfers for the first 15 billing cycles
  • $100 welcome offer
  • Relatively low ongoing APR after intro period
Cons
  • No rewards or cash back opportunities
  • 3% foreign transaction fee
  • Few added benefits
The Bottom Line
The PNC Core Visa credit card* doesn’t offer cash back or travel rewards, but it does offer a solid 0% introductory APR on purchases and balance transfers. This 15-billing cycle no-interest period (9.99% to 19.99% variable APR thereafter) makes it a good option for people who have a large purchase planned or want to transfer a balance from another card.

Additional Card Details

  • $100 bonus after you spend $1,000 or more in first three billing cycles
  • Balance transfer fee of 3% or $5, whichever is greater, within the first 90 days
  • Access to travel and emergency assistance services
  • $0 fraud liability and PNC Easy Lock

PNC Core Visa Credit Card Full Review

Card Type

The PNC Core Visa Credit Card is a 0% APR and balance transfer credit card with an introductory 0% APR offer on new purchases and balance transfers for the first 15 billing cycles. 

Annual Fee

The PNC Core Visa Credit Card has no annual fee.

Welcome Offer

There’s a $100 welcome offer when you spend at least $1,000 within the first three billing cycles after account opening. 

Rewards

This card offers no ongoing rewards structure beyond a 0% introductory APR for 15 billing cycles on purchases and balance transfers. You must transfer you balance within the first 90 days of account opening.

Fees 

This card has no annual fee, but there is a cost to taking advantage of the 0% introductory APR offer for balance transfers within 90 days of account opening. For any transfer made within 90 days, you’ll pay a balance transfer fee of 3% or $5, whichever is higher. Transfers after that incur a 4% ($5 minimum) fee. 

There are late payment and returned payment fees up to $38, and you may take on a penalty APR of 28.99% if you pay late. This card is also not a good choice for spending abroad, since it charges a 3% foreign transaction fee.

Benefits of the PNC Core Visa Credit Card

The PNC Core Visa offers some basic perks to help manage your account, but its main benefit is the introductory APR offer.

U.S.-based customer service is available seven days per week, and you’ll also have access to travel and emergency protection. These services are available to help you in the event of an emergency, such as getting a medication refilled while traveling abroad. The card also comes with $0 fraud liability and PNC Easy Lock — which helps you lock your account in real time if you misplace your card.

Drawbacks of the PNC Core Visa Credit Card

This card is a solid option for a balance transfer card, but has no additional rewards structure. If you’re looking for a card that will bring you value on your spending even after you pay off debt, there are better options available. The Citi® Double Cash Card, for instance, offers a longer 18 month 0% APR on balance transfers, but also earns up to 2% cash back on every purchase you make. 

Even if you’re solely interested in a long intro offer, you may also want to consider other options, too. The 15-billing cycle period gives you a decent amount of time to wrangle a lingering balance, but there are options that offer longer 0% APR periods if you need it. 

How to Use the PNC Core Visa Credit Card

Where this card really shines is in the balance transfer department. It’s a good choice to consolidate debt or pay off large expenses over time, but keep in mind that it will not earn any rewards for that spending.

And while the low APR range is certainly a highlight of the card, you should be cautious about the risk of overspending, whether it’s on this card or any other card. You should always aim to pay your bills on time, and not spend more than you can afford simply because this card carries no interest for more than a year.

Pro Tip

If you can budget for it, be sure to spend $1,000 in the first three billing cycles following account opening to get a $100 bonus.

There’s also a 3% foreign transaction fee, so we don’t recommend using it while traveling abroad. If you’re looking for a card without foreign fees, the Wells Fargo Propel American Express® card* also doesn’t have an annual fee nor does it charge foreign transaction fees.

If this is your sole credit card, we’d recommend using it for everyday purchases, as opposed to using a debit card or cash. That’s because it comes with built-in perks like protection from identity theft and fraud, travel and emergency protection, and PNC Easy Lock.

However, if you have other credit cards in your portfolio — particularly cash back or travel rewards cards — it’s a good idea to use those for your everyday purchases, instead. The PNC Core Visa is geared primarily toward balance transfers and consolidating debt.

PNC Core Visa Compared to Other Cards

  • Introductory balance transfer rate:
    0% for the first 15 billing cycles on balance transfers made within 90 days of account opening.*
  • Annual fee:
    $0*
  • Regular APR:
    9.99% – 19.99% (Variable)
  • Recommended credit:
    740-850 (Excellent)
  • Learn more externa link icon at our partner’s secure site.
  • Introductory balance transfer rate:
    0% Intro APR on balance transfers for 20 billing cycles
  • Annual fee:
    $0
  • Regular APR:
    14.49% – 24.49% (Variable)
  • Learn more externa link icon at our partner’s secure site.
  • Introductory balance transfer rate:
    0% intro APR for 18 months on qualifying balance transfers
  • Annual fee:
    $0
  • Regular APR:
    16.49%-24.49% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.

*All information about the PNC Core Visa Credit Card, Wells Fargo Propel American Express card, U.S. Bank Visa Platinum Card, and the Wells Fargo Platinum card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Is the PNC Core Visa Credit Card Right for You?

This card is worth a second look if you’re in the market for a solid balance transfer credit card. The 15-billing cycle period it gives you to pay down your balance before charging interest surpasses other balance transfer cards, many of which only give you a year.

If you’re planning to transfer credit card debt to the PNC Core Visa, keep in mind there is a fee to do so, although a smaller one than similar cards charge. You’ll be charged either $5 or 3 percent, whichever is greater, of the amount you transfer in the first 90 days from account opening. After that, those fees increase to $5 or 4 percent. Compared to similar cards on the market, this is a solid deal, since they charge $10 or up to 5 percent.

Even factoring in that fee, a balance transfer might save you money if the fee is lower than the interest you would pay on the balance with a card that charges interest — and if you pay off the transferred balance in time.

This card will also earn a $100 bonus after you spend $1,000 in the first three billing cycles from account opening, which is a nice added perk; other cards offer far bigger welcome bonuses, but they also may have annual fees. If you plan to hit the spending threshold to get the $100 bonus, make sure to budget appropriately for it.

The card’s main draws are its simplicity and balance transfer options. It’s not going to earn you rewards or cash back on everyday purchases, so you’ll want to look elsewhere if that’s what you’re looking for.

The card’s comparatively low annual percentage rate is another big draw. If you have excellent credit, you may be able to score a variable annual percentage rate as low as 9.99%, which is one of the lowest on the market. Even if you don’t have the excellent credit required to score the lowest interest rate, a 19.99% variable APR is still relatively good. 

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

What credit score do I need for the PNC Core Visa?

While you’ll need excellent credit — 750 or above — to qualify for the lowest APR rate (9.99%), you can typically get approved for this card with a score of 670 or above, albeit with a higher APR rate (as high as 19.99%).

Does the PNC Core Visa have an annual fee?

No, the PNC Core Visa does not have an annual fee.