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38

PNC Secured Credit Card

Pnc Bank, National Association

Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
24.24–26.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered24.24%
Median25.99%
Highest offered26.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median28.99%
Highest offered29.24%

Every fee on this card

Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee4% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$35
Stop Payment Fee$35

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-762-2265
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 25.99%$779.70
Annual / periodic fees$0
Total yearly cost$779.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

20 documents filed by PNC Bank N.A. in the 2026 Q1 archive.

All 20 agreements

More from this issuer