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PNC Core Visa Credit Card Review

PNC Core Visa Credit Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Feb 10, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’re planning to make a big purchase, such as electronics or furniture, the PNC Core® Visa® Credit Card could help you pay it off over time with its 0% intro APR period. It’s also a good choice if you’re looking to consolidate credit card debt via a balance transfer with a long 0% APR promotion and a chance for low ongoing APR once the intro period expires.

Note that as with many balance transfer cards, you need an excellent/good credit score to have a good chance at approval for the PNC Core® Visa® Credit Card.

If you need a longer 0% intro APR period or if you want a card that charges no balance transfer fee, know that there are better options than the PNC Core® Visa® Credit Card.

PNC Core® Visa® Credit Card pros

Good 0% intro APR offers. The PNC Core® Visa® Credit Card offers a promotional intro APR on both purchases and balance transfers:

  • 0% introductory APR for the first 15 billing cycles on purchases. After that, a 11.49% to 21.49% variable APR applies.
  • 0% introductory APR for the first 15 billing cycles on balance transfers. After that, a 11.49% to 21.49% variable APR applies.

The balance transfer fee is reasonable if you act quickly once approved for the card: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater.

Low ongoing interest rate. The regular purchase APR is 11.49% to 21.49% variable. If you get approved for an APR on the lower end of that range, this could be a good card to have when you need to roll over a balance from time to time.

Sign-up bonus. Earn a $100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening. The spending requirement is a bit on the high side in relation to the size of the bonus, but if you’re getting this card because you’re planning a big purchase, that’s a nice discount that can be applied to your statement.

PNC Core® Visa® Credit Card cons

Foreign transaction fee. When you use this card outside of the United States, there’s a 3% of each foreign transaction amount in U.S. dollars. So if you’re planning an overseas vacation, leave the PNC Core® Visa® Credit Card at home and take a card that charges no foreign transaction fee.

Additional PNC Core® Visa® Credit Card benefits

$0 annual fee. You don’t have to pay an annual fee to carry this card, which is a good thing if you’re trying to use it to pay off a big purchase or existing credit card debt.

PNC Easy Lock. You can lock and unlock your credit card online in real time, which is helpful if you’ve misplaced the card. Locking the card means no new purchases or cash advances can be made. Note that locking the card does not report it lost or stolen — if your card has been lost or stolen, call PNC at 1-800-558-8472 to report it.

You can use your card with Apple Pay. PNC Visa credit cards, both personal cards and small business cards, can be added to Apple Pay.

Compare it to the BankAmericard® credit card

Another good card for a 0% intro APR promotion on purchases and balance transfers is the BankAmericard® credit card. So how does it stack up to the PNC Core® Visa® Credit Card? Let’s take a look:

PNC Core® Visa® Credit Card BankAmericard® credit card
Intro purchase APR 0% introductory APR for the first 15 billing cycles. After that, a 11.49% to 21.49% variable APR applies. 0% Introductory APR on purchases for 18 billing cycles. After that, a 14.49% - 24.49% Variable APR applies.
Intro balance transfer APR 0% introductory APR for the first 15 billing cycles. After that, a 11.49% to 21.49% variable APR applies. 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. After that, a 14.49% - 24.49% Variable APR applies.
Balance transfer fee Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater. Either $10 or 3% of the amount of each transaction, whichever is greater.
Sign-up bonus Earn a $100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening. No bonus.
Annual fee $0 $0

Both cards are pretty no-frill, and neither offers rewards. The PNC Core® Visa® Credit Card has the advantage of offering a sign-up bonus, which the BankAmericard® credit card doesn’t offer.

Where the BankAmericard® credit card stands out is its lengthy 0% intro APR periods. This card offers a year-and-a-half of paying no interest, which is a solid amount of time to pay off a big purchase or to tackle a balance transferred from another credit card.

  • 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days

  • 0% Introductory APR on purchases for 18 billing cycles

  • 14.49% - 24.49% Variable APR on purchases and balance transfers

Highlights
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

See additional details for BankAmericard® credit card

More Info

Both cards charge no annual fee and have fairly comparable balance transfer fees.

Which card is best for you?

If you need a longer period of 0% intro APR, the BankAmericard® credit card is a better choice than the PNC Core® Visa® Credit Card. You can use our balance transfer calculator to run some numbers and get an estimate of how long it might take you to pay off transferred credit card debt.

However, if you’re planning a big purchase and want to get a sign-up bonus out of it, the PNC Core® Visa® Credit Card could be a better fit. Just do the math first and make sure you can pay off your debt before the intro period ends. Otherwise, if you end up carrying a balance and paying interest charges, that effectively eats into the value of your sign-up bonus.

Finally, if you’re looking to transfer a balance but don’t want to pay a balance transfer fee, a better option than either of the two above cards might be the Chase Slate®. It offers 0% Intro APR on Balance Transfers for 15 months. After that, a 16.49% - 25.24% variable APR applies.

  • 0% Intro APR on Purchases and Balance Transfers for 15 months*

  • $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • 16.49% - 25.24% Variable

Highlights
  • 0% Intro APR for 15 months on purchases and balance transfers. After that, 16.49% - 25.24% variable APR.
  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
  • Free credit score, updated weekly with Credit Journey ℠
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • No annual fee

See additional details for Chase Slate®

More Info

The Chase Slate®’s balance transfer fee is $0 for the first 60 days that your account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.


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