CFPB TCCP survey · December 31, 2025
Pnc Bank, National Association credit card rates & fees
Pnc Bank, National Association reported 4 credit card plans to the CFPB. Their median purchase APR is 26.24%, higher than the 23.49% median across all surveyed cards. The lowest starting APR is on the PNC Cash Unlimited (18.49%). 4 of 4 plans have no annual fee.
Bank PNC Bank, National Association financial health scorecard 62 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| PNC Cash UnlimitedCashback rewards; Travel-related rewards; Other rewards | 18.49% – 29.24% | 23.2% / 29.0% / – | 29.24% | $0 | $27 | 0.0% | 21 d |
| PNC Cash RewardsCashback rewards | 18.74% – 29.24% | 26.7% / 29.0% / – | 29.24% | $0 | $27 | 3.0% | 21 d |
| PNC Spendwise Credit Card | 19.74% – 30.24% | 26.2% / 28.0% / – | 30.24% | $0 | $27 | 3.0% | 21 d |
| PNC Secured Credit Cardsecured | 24.24% – 26.24% | – / – / – | 28.99% | $0 | $25 | 3.0% | 21 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.