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PNC Spendwise Credit Card

Pnc Bank, National Association

Top-25 issuerNationalVariable · PrimeNo credit scoreCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
19.74–30.24%
Annual fee
None
0% intro
18 mo
0% transfer
18 mo
Foreign fee
3%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
27.99%
≤619
—
620–719
27.99%
720+
26.24%
Lowest offered19.74%
Median26.24%
Highest offered30.24%

Introductory purchase APR

Promotional window: 18 months

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

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 18 months

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

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

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

Lowest offered29.74%
Median30.24%
Highest offered30.24%

Every fee on this card

Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$27
Repeat late fee (6 mo)$38
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment$38

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 calculator
Stay put — 18 mo at 24%$900
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$650

Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 26.24% afterwards.

Cost to carry a balance
Interest for a year at 26.24%$787.20
Annual / periodic fees$0
Total yearly cost$787.20

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