| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The PNC Spend Wise Visa Credit Card does not earn any rewards, points, or cash back on purchases; it is a no-rewards card focused on an APR reduction program for responsible financial behavior and a long 0% introductory APR period.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Annual Digital Subscription Credits
Cardholders receive up to $25 in annual statement credits for eligible digital subscription services including Spotify, Netflix, and/or Disney+.
|
Credits |
Up to $25/year
Up to $25
|
|
0% Intro APR on Balance Transfers
New cardholders receive a 0% introductory APR on balance transfers for the first 18 months after account opening; after that, the standard variable APR applies. A balance transfer fee applies per transaction.
|
Financial | 0% for 18 months |
|
0% Intro APR on Purchases
New cardholders receive a 0% introductory APR on purchases for the first 18 months after account opening; after that, a variable APR of 20.24% to 30.24% applies.
|
Financial | 0% for 18 months |
|
No Annual Fee
The PNC Spend Wise Visa Credit Card carries no annual fee for all cardholders.
|
Financial |
$0 annual fee
Up to $0
|
|
Purchase APR Reduction Program
Cardholders can earn a 2-percentage-point reduction to their ongoing purchase APR by making on-time payments and posting at least $3,000 in net purchases over 12 consecutive billing cycles; the APR reduction is reviewed annually.
|
Financial | 2% APR reduction |
|
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 |
|
Cell Phone Protection
Cardholders receive up to $800 in reimbursement if their cell phone is damaged or stolen when the monthly cell phone bill is paid with the PNC Spend Wise card.
|
Insurance |
Up to $800
Up to $800
|
|
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 purchases if their card or card number is lost or stolen, provided fraud is reported promptly.
|
Security | Complimentary |
|
Porch Piracy Protection
Cardholders can be reimbursed up to $10,000 per claim if an eligible item purchased with the card is stolen within 90 days of purchase, covering package theft.
|
Shopping |
Up to $10,000 per claim
Up to $10,000
|
|
Price Protection
Cardholders can be reimbursed the difference in price up to $1,000 per eligible item if the same item is found advertised for less within 60 days of purchase with the covered PNC Spend Wise card.
|
Shopping |
Up to $1,000 per item
Up to $1,000
|
|
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) |
