The PNC Spend Wise Visa is a personal credit card from PNC Spend Wise Visa. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 19.49% to 27.49% after a 0% 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. This product reports activity to your personal credit report. 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