The PNC is a personal credit card from PNC. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 19.49% to 27.49% variable, based on creditworthiness after a 0% intro APR on purchases for the first 18 months after account opening; 0% intro APR on balance transfers for the first 18 months when transferred within the first 90 days introductory rate for 18 months. Approval typically requires a credit score of 650-700 or higher. Rewards: Earn up to $25 in annual digital subscription service credits. Typical credit limit: Must qualify for a minimum credit line of $500. Loan terms: Revolving credit card; due date at least 21 days after the close of each billing cycle; no interest on purchases if the full balance is paid by the due date; average daily balance (including new purchases). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Ideal for users who want long-term 0% financing plus ongoing protections and potential APR reductions—not just balance transfers. PNC Cash Unlimited Visa Signature Card. BT Fee: Approx. 4% of each transfer. Post-intro APR: 20.24%–28.24% variable