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 18.49% to 28.49% variable, based on creditworthiness after a 0% intro APR on balance transfers for the first 15 months when transferred within the first 90 days of account opening introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Unlimited 2% cash back on purchases with no caps; redeem by direct deposit, statement credit, gift cards and merchandise, or travel; no minimum redemption. Typical credit limit: Must qualify for a minimum credit line of $5,000. 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; minimum interest charge $1.50; average daily balance (including new purchases). This product reports activity to your personal credit report. Strong flat-rate cashback combined with a decent 0% APR window—great for users who want rewards while consolidating balances. Bank of America Bank Americard Credit Card. BT Fee: 5% of each transfer ($5 minimum). Post-intro APR: 19.24%–29.24% variable