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PNC Core® Visa® Credit Card

Updated:

image_e42715Image: image_e42715

47

reviews

2.1

Rating: 2.1 out of 5.

Great for saving on interest

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their PNC Core® Visa® Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 30% 14% 25% 27% 4%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 30% 14% 25% 27% 4%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 30% 14% 25% 27% 4%

The average credit limit for members who have matched with this card or similar cards is $8,300, with $7,500 being the most common.

Here’s the average credit score of members who matched their PNC Core® Visa® Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 1% 13% 15% 48% 23%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 1% 13% 15% 48% 23%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 1% 13% 15% 48% 23%

The average credit score for members who have matched with this card or similar cards is 709, with 805 being the most common. Note this is just one of the deciding factors when it comes to getting approved.


Member stats

Updated daily

28.5%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

50 years

Average age of members who matched this card or similar cards.

$94,597

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.


Pros and cons

yesImage: yes

Lengthy intro APR period for purchases and balance transfers

yesImage: yes

$0 annual fee

yesImage: yes

Sign-up bonus available


ConImage: Con

Other cards offer longer intro APR

ConImage: Con

Balance transfer fee, even during promo intro period

ConImage: Con

No ongoing rewards offered


PNC Core® Visa® Credit Card review

Updated September 25, 2024

This date may not reflect recent changes in individual terms.

Written by: TJ Porter


Core features of the PNC Core® Visa® Credit Card

Before we get into the specifics of this card, it’s important to note that you can apply for PNC credit cards only if you live in one of the states where PNC accepts credit card applications.

Intro balance transfer and purchase APR for 15 billing cycles

If you’re in the market for a balance transfer credit card, one of the most important perks to consider is its intro balance transfer APR period. The PNC Core® Visa® Credit Card offers an intro 0% APR for balance transfers and purchases that applies for up to 15 billing cycles after you open the card. This gives you a bit more than a year to work down your balance — but it isn’t the longest promotional period out there.

To take advantage of the intro balance transfer offer, you’ll need to transfer balances within 90 days of account opening. There is an intro balance transfer fee of $5 or 3% of the amount of each transfer (whichever is greater) within those 90 days, but after the intro period the balance transfer fee is $5 or 4% of the amount of each transfer (whichever is greater). See more on this below.

Once the intro period is over, the purchase and balance transfer APR will be a variable 13.24% - 25.24%, depending on your credit profile.

A lengthy promotional APR is fine for most people, but if you really want to maximize the length of time you have to pay back your debt, choosing a card with an even longer promotional APR period can help. Just keep in mind that your balance must be paid off in its entirety before the intro period is up if you want to avoid paying interest.

Balance transfer fee

When you transfer a balance to a new credit card, it’s common for the new card’s issuer to charge a balance transfer fee. If you transfer a balance within 90 days of opening an account, the PNC Core® Visa® Credit Card charges a balance transfer fee of $5 or 3% of the amount transferred, whichever is greater. After the first 90 days have passed, the balance transfer fee changes to $5 or 4% of each amount transferred, whichever is greater.

Though the PNC Core® Visa® Credit Card’s balance transfer fee is pretty average, there are some cards with lower or no balance transfer fees during an intro period.

You may still have a good chance of saving money by transferring a balance and taking advantage of the PNC Core® Visa® Credit Card’s intro balance transfer APR, but make sure you do the math before you transfer a balance to see if you’ll save more in interest than you’ll pay in fees.

No annual fee

Another important thing to consider when looking for a balance transfer credit card is its annual fee. The PNC Core® Visa® Credit Card charges no annual fee. That means that you can take full advantage of the intro balance transfer and purchase APR without worrying about paying a fee to keep the card open.

Sign-up bonus

Another nice perk of the PNC Core® Visa® Credit Card is that it offers a sign-up bonus. If you spend $1,000 on purchases within the first 3 billing cycles after account opening, you’ll receive a $100 bonus.

This is kind of a mixed bag. That $1,000 spending requirement doesn’t include any balances you transfer. Also, if you’ve opened this card so that you can pay off your debt faster with a lower interest rate, then the last thing you probably want to do is rack up an extra $1,000 in spending just to get a $100 bonus.

No ongoing rewards

The PNC Core® Visa® Credit Card doesn’t have any ongoing rewards. Instead, this card is focused on offering perks — in the form of an intro balance transfer and purchase APR — to people who are interested in reducing interest charges to help pay off credit card debt more quickly. If you choose to apply for this card, you should consider only using it to pay off your existing credit card debt.

For everything else, you’re likely better off with a cash back credit card for any other card purchases you might be making — you might as well be rewarded for spending on things you were going to buy anyway.

Who this card is good for

The PNC Core® Visa® Credit Card is a relatively standard balance transfer card, so it’s a good choice for anyone who’s looking to save money on interest by making a balance transfer during the card’s intro balance transfer APR period.

The PNC Core® Visa® Credit Card doesn’t excel in any one area, such as the length of its intro purchase and balance transfer APR, or the size of its balance transfer fee — but overall, it brings a solid deal to the table. This card might be a good option for you if you already have a relationship with PNC Bank. If you don’t, you may want to look for another card.

People who are OK with using credit cards while paying down their existing balances will appreciate the offer of a sign-up bonus. If you’d rather avoid using credit cards until you’ve fully paid off your debts, you might want to consider a card with a lower balance transfer fee or a longer intro APR period.

Not sure this is the card for you? Consider these alternatives.

If you’re not sure whether the PNC Core® Visa® Credit Card is the right one for you, there are many other balance transfer options on the market.


Member reviews

Overall rating:

2.1

Rating: 2.1 out of 5.

47

reviews

Most helpful positive review

June 21, 2019

5

Rating: 5 out of 5.

Good Experience

Credit Karma Member

I applied for this card since I was looking for a card with a long 0% APR for purchases primarily. This allows me to make larger purchases without feeling I must pay them off at the end of the month. Really didn't care as much about the long 0% for balance transfers although I have a Discover card nearing the end of its 14 month 0% period so I will probably make a balance transfer so I won't have to pay interest. Credit Karma said I had a "good" chance for approval and they were right. I got a much bigger credit line than I expected ($10,000). My credit scores were in the 680 range with TU and I had a Chapter 13 on my file completed about 1 year ago. (I have a $14,000 line with Discover and $7,000 with Capital One - $5,000 each with a couple of store cards. My utilization %age when I applied to PNC was about 23%

Most helpful negative review

February 10, 2019

3

Rating: 3 out of 5.

High interest I applied

Credit Karma Member

I applied for this card with a 735 credit score thinking I would get. the low 12% apr rate. I was given the the 22.% interest rate. Applied through Credit Sesame thought I was pre approved. Wasted acquisition.

All member reviews