| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The PNC Secured Visa Credit Card does not earn any rewards or cash back on purchases; it is a credit-building secured card with no rewards program.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Automatic Account Review for Upgrade
PNC periodically reviews secured card accounts in good standing and may automatically upgrade eligible cardholders to an unsecured credit card, returning the security deposit.
|
Financial | Complimentary |
|
Credit-Building Secured Card
The PNC Secured Visa requires a refundable security deposit that becomes the cardholder's credit limit, allowing individuals with no credit or damaged credit to build or rebuild their credit history through responsible use.
|
Financial | Refundable security deposit |
|
SCRA Interest Rate Reduction
Eligible active-duty servicemembers may receive a reduced APR of 6% on pre-service balances under the Servicemembers Civil Relief Act by contacting PNC with a copy of military orders.
|
Financial | 6% APR cap for active-duty servicemembers |
|
Auto Rental Collision Damage Waiver
When the full rental cost is charged to the card and the primary rental insurance is declined, Visa provides collision damage waiver coverage for eligible rental vehicles.
|
Insurance | Complimentary |
|
Credit Bureau Reporting
PNC reports account activity to all three major credit bureaus (Experian, Equifax, and TransUnion), helping cardholders establish or rebuild their credit history with responsible use.
|
Other | Complimentary |
|
24/7 Fraud Monitoring
PNC monitors card accounts around the clock and will alert cardholders if potentially suspicious or fraudulent transactions are detected.
|
Security | Complimentary |
|
Visa Zero Liability Protection
Cardholders are not held responsible for unauthorized charges made with their U.S.-issued card or account information, provided fraud is reported promptly.
|
Security | Complimentary |
|
Roadside Dispatch
Cardholders have access to Visa's pay-per-use roadside assistance program providing pre-negotiated rates for towing, tire changing, jump-starting, and other roadside services.
|
Travel | Pay-per-use (no membership fee) |
