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PNC Core Visa credit card review

PNC Core Visa credit card review

Published: February 22, 2018
Ratings Policy
Balance Transfer Rating:
3.6 rating
3.6 rating
3.6 / 5
Introductory Offer: 4.1
Net Value: 2.8
Features: 1.0

In a nutshell:

With a solid zero percent promotional offer and low standard interest rate, the PNC Core Visa card is a good choice for cardholders who plan to carry a balance.

0% Introductory Period
15 billing cycles

Transfer Fee
$5 or 3% (whichever is higher) for first 90 days; $5 or 4% thereafter

Introductory Purchase APR

Regular APR
11.24-21.24% (variable)

Annual Fee

Other Notable Features: Travel and emergency protection; online account tools, including online bill payment

Low Interest Rating:
4.1 rating
4.1 rating
4.1 / 5
Rates, Fees, Penalties: 4.5
Rewards: 0.0
Features: 1.0

In a nutshell:

This plain vanilla credit card offers cardholders with the cleanest credit histories an appealingly low APR and a strong promotion on purchases and balance transfers.

Regular APR
11.24-21.24% (variable)

Introductory Purchase APR

Introductory Balance Transfer APR


  • No annual fee
  • 3% or $5 balance transfer fee (whichever is higher)
  • 3% foreign transaction fee
  • 5% or $10 cash advance fee (whichever is higher)


  • Up to $38 late payment fee
  • Up to 30.24% penalty APR
  • Up to $38 returned payment fee

Other Notable Features: Travel and emergency protection; online account tools, including online bill payment

If you’re searching for a simple, low-rate credit card, the PNC Core Visa credit card may be worth a look. Unlike some balance transfer cards that lure cardholders with juicy rewards and premium benefits, the PNC Core Visa credit card sticks to the basics: a low standard interest rate for cardholders who tend to carry a balance each month and a lengthy promotional balance transfer period to wipe out – or at least seriously dent – a substantial amount of debt.

Above-average balance transfer offer

The PNC Core Visa card gives you up to 15 months to pay down your credit card balance, which is less than what some balance transfer cards offer, but significantly better than most. Many balance transfer cards only offer a year to pay down a balance before the card’s standard interest rate kicks in.

Comparatively low balance transfer fee

The PNC Core Visa card’s balance transfer fee is on the low end for a balance transfer card, making it a good choice for cardholders who plan to consolidate a significant amount of debt. The card charges $5 or 3 percent (whichever is greater) of the amount transferred during the first 90 days. After that, the fee increases to $5 or 4 percent (whichever is greater). Some balance transfer cards, by contrast, charge cardholders $10 or up to 5 percent (whichever is greater).

Lengthy zero percent APR on purchases

The PNC Core Visa credit card also gives you  a head start on paying down your card balance by offering up to 15 months of interest-free purchases. With the 15-month promotion, you can continue using your new card while paying down your transferred balance.

Competitive APR

The most attractive feature of the PNC Core Visa card is its comparatively low regular interest rate. If you tend to carry a balance and plan to keep using the card after you’ve paid off the balance transfer – or if you don’t think you’ll be able to pay off your balance in full after the card’s promotional rate expires – the PNC Core Visa’s relatively low rate can help keep your debt from spiraling out of control. Cardholders with excellent credit may be offered an APR as low as 11.24 percent – which is one of the lowest APRs you can get. For credit scores below the excellent range, the rate can go as high as 21.24 percent, which is also very reasonable.

Few perks

Like most low-rate credit cards, the PNC Core Visa doesn’t offer a rewards program, nor does it advertise any other one-of-a-kind perks. This is a basic card for people who want to pay off a balance and continue borrowing at a relatively low rate. Cardholders might be able to find better perks through other cards, but they might not qualify for such a low rate.

Why get the PNC Core Visa card?

  • You’re already a PNC Bank customer and want to own a credit card from the same bank.
  • You’re looking for a basic card with a comparatively low interest rate.
  • You want to continue using the card while you pay down your transferred balance.

How to use the PNC Core Visa card:

  • Pay off as much of your balance as you can before the card’s introductory period expires.
  • Don’t let the card’s introductory APR tempt you to overspend on purchases.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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