7/29/2023
Credit instruments can be valuable allies for your personal finances at certain times. We know that choosing among the multiple offers requires accurate information.
In the case of PNC Bank, we are talking about one of the largest financial institutions in the United States, with more than 2,500 branches in 29 states in the nation.
In this article we are going to focus on how to apply for a credit card at PNC Bank and the requirements you have to meet in order to access them.
PNC Bank Credit Card Requirements
Accessing one of PNC Bank's credit cards is going to depend on factors you already know, such as credit history, debt-to-income ratio and your personal finances.
- APR: 17.99%
- Annuity: $ 0
- Credit limit: Ask
- APR: 18.99%
- Annuity: $ 0
- Credit limit: Ask
- APR: 15.99%
- Annuity: $ 0
- Credit limit: Ask
- Annuity: Ask
- Free debit money in: All PNC Bank ATMs
Among the positive points of this process is that you do not need to have a checking account with this bank to apply for a credit card. The usual recommendation for these banking products is that you have a good credit score before considering any of their options.
When applying for a PNC Bank credit card, you will need:
- Employment status
- Personal information
- Financial information
- Contact information
How to apply for a credit card at PNC Bank?
In addition to going in person to its branches, PNC Bank offers two alternatives to apply for a credit card: online or by phone. The online procedure follows a few simple steps that are common and that we will describe below:
- Go to the PNC Bank website, which also has a Spanish version.
- Go to the 'Products and Services' menu and click on 'Credit Cards'.
- After choosing the card, click on 'Apply Now'.
- On the next screen you must indicate if you have an account with the bank or not. If you are a customer, enter your login/password.
- After that, you must fill out the form, review the data and accept the terms.
- You will only have to wait for the approval.
Credit Card Pre-Approval with PNC Bank
The easiest way to get a PNC Bank credit card is to get pre-approved. In most cases, this occurs when you receive an offer in the mail.
Like other institutions, this bank sends these opportunities to those it considers as candidates. This benefit is not available through its official website.
You may be interested in: How to apply for Wells Fargo cards?
When you receive one of these offers from this bank, be sure that they have already reviewed your credit history. They have also evaluated whether you have the profile they are looking for to make use of this product.
Even so, this pre-approval is not a guarantee that you will be approved after a more exhaustive examination. Pre-approved status is based on a number of factors that may affect final approval.
PNC is characterized by the following:
- It does a 'pre-screen' and sends offers to potential clients.
- Once you are pre-approved, a soft inquiry will appear in your credit file.
- You can complete the application process by calling 888-762-2265 or through their online form.
- Although it is not among the requirements, a large portion of applicants usually have a very good-to-excellent credit score.
- It is one of the few credit card issuers in the U.S. that does not let you know if you are pre-approved on their website.
What credit cards does PNC Bank offer?
When you decide to apply for a credit card at PNC Bank, you can choose between unsecured products and a secured option. For the secured card, you can only apply in person, but approval is less demanding than the other alternatives.
Within the unsecured plastic catalog, this bank offers several banking products:
- PNC Core Visa. This option has an introductory rate of 0% for 15 collection cycles for balance transfers. It has no annuity and has cell phone protection with limitations.
- PNC Visa Points. If you like to shop, this no annuity plastic rewards you with 4 points for every dollar you spend. It also has cell phone protection with limitations, more points with the use of the PNC Virtual Wallet and redemptions for various rewards.
- PNC Cash Rewards Visa. After receiving approval, with this tdc you can get 1% cashback on any purchase, 2% at supermarkets, 3% at restaurants and up to 4% at gas stations. This no annuity card also gives you a $200 bonus if you spend $100 during the first 3 billing cycles.
- PNC Travel Rewards Visa Business. If business travel is your thing, this tdc gives you 1 mile for every net purchase and 2 for 1 for the first $2,500. In addition, there is no limitation on how much you can accumulate, there is no annual fee and you can bonus your employees.
Understanding how to apply for a credit card at PNC Bank is not complicated because it is similar to what you must do with other banks. Here the important thing is that you compare their cards to see if they adapt to what you want. If not, in the Busconomico search engine you will find many options for your profile.
Español: ¿Cómo aplicar para una tarjeta de crédito en PNC Bank?