The PNC Bank is a personal credit card from PNC Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.49% to 28.49% after a 0% introductory rate for 15 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: $250 bonus after opening an account and making $1,000 in purchases within the first 3 months.. Rewards: 4% on gas station purchases, 3% on restaurant purchases, 2% on grocery store purchases for the first $8,000 in combined purchases in the above three categories annually. Earn 1% cash back on all other purchases.. Cash back: $250 Cash Back. This product reports activity to your personal credit report. Pre-qualification available (soft pull)