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PNC Core Visa Credit Card Review

The PNC Core® Visa® Credit Card is a balance transfer credit card. This card offers 0% introductory APR on balance transfers for the first 15 billing cycles and 0% introductory APR on purchases for the first 15 billing cycles. After that, the card has a variable APR of 18.24% to 30.24% variable. There is a $0 annual fee and benefits include cellphone protection (up to $800) and travel and emergency assistance services.

  • Issuer NamePNC
  • Annual Fee$0
  • APR18.24% to 30.24% variable
  • Penalty APR0.3424
  • Purchases Intro APR0% introductory APR on purchases for the first 15 billing cycles
  • Balance Transfer FeeIntro 3% (Min $5) for 90 days then 4% (Min $5)
  • Cash Advance Fee5%, Min: $10
  • Foreign Transaction Fee3%

  • Need a balance transfer.
  • Want time to pay off a large purchase without interest.
  • Are OK with not having a rewards program.

If you get the PNC Core® Visa® Credit Card to take advantage of the 0% APR period, don’t get in over your head. Those 15 months can go by quickly, so divide your balance by 15 months to know how much you need to pay each month before the 0% rate expires.

Editor’s Take

Cards like the PNC Core® Visa® Credit Card offer a short-term benefit for those who want some wiggle room to pay off an existing balance or a large purchase. Beyond the introductory 0% APR period, though, there isn’t much value when compared to rewards cards. On the bright side, if you use the card to pay for your cellphone bill, you can be reimbursed for up to $800 if your cell phone is stolen or damaged.

Dawn PapandreaContributor

There are currently no welcome offers.

The main draw of the PNC Core® Visa® Credit Card is the 0% introductory APR on balance transfers for the first 15 billing cycles and 0% introductory APR on purchases for the first 15 billing cycles. If you’re paying down a balance or purchase, a good strategy would be to divide your total by 15 and make equal monthly payments so you can get the balance down to $0 by the time the regular APR kicks in.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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