Tiered cash back on gas, dining and groceries, with 15 billing cycles of 0% on balance transfers.
Rates, fees and offers
- Regular APR
- 19.24%–29.24% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 15 billing cycles on balance transfers made within 90 days. No intro APR on purchases.
- Balance transfer fee
- See PNC's terms
- Rewards
- 4% gas, 3% dining, 2% groceries (first $8,000 a year combined), 1% everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The 0% offer is for balance transfers made within 90 days only, not new purchases.
Paying and contacting PNC Bank
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all PNC Bank cards → · Search all cards
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