Skip to content
Visa0/4 on file
Annual fee: issuer restricts access
PNC Bank · Visa

PNC Spend Wise Visa Credit Card

The PNC Spend Wise Visa Credit Card is a Visa card from PNC Bank. PNC Bank's site does not let us read its terms, so we leave the annual fee blank — check it on PNC Bank's own site. Here is what we hold on it, and what we do not.

Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on PNC BankCompare this card
Opens PNC Bank’s site

Bank with branches in: Texas (310), Pennsylvania (241), Ohio (202), Florida (197), New Jersey (174), Illinois (135), Michigan (118), Maryland (111) and 20 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the PNC Spend Wise Visa Credit Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Visa
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the PNC Spend Wise Visa Credit Card. That may mean there isn’t one, or simply that we have not recorded it — PNC Bank’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the PNC Spend Wise Visa Credit Card. Rather than print a multiplier we cannot source, this stays blank until PNC Bank’s own terms give us one.

Not published by the issuer where we checked ()
Included

Perks & benefits

Card benefits

  • APR Reduction Program: earn a 2-point reduction to standard purchase APR after meeting spend and payment requirements
  • Price Protection: reimbursed price difference up to $1,000 if item drops in price within 60 days
  • Porch Piracy Protection: reimbursed up to $10,000 if purchased item is stolen within 90 days
  • Cell Phone Protection: up to $800 reimbursement for cell phone theft or damage when paying phone bill with card
  • Digital Subscription Credit: up to $25 annual credit for Spotify, Netflix, or Disney Plus
  • PNC Easy Lock card locking feature
  • Zero Liability Fraud Protection
  • Contactless payment technology
  • Online statements with up to 48 months of history
Next step

Ready to apply for the PNC Spend Wise Visa Credit Card?

You'll finish the application on PNC Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens PNC Bank’s site
Questions

Questions about the PNC Spend Wise Visa Credit Card

How much is the PNC Spend Wise Visa Credit Card annual fee?

We could not verify the PNC Spend Wise Visa Credit Card's annual fee, so we do not print one. Check the current annual fee on PNC Bank's own site before you apply.

What does the PNC Spend Wise Visa Credit Card earn?

PNC Bank does not publish category earn rates for the PNC Spend Wise Visa Credit Card where we checked (October 2026), so we do not print a multiplier.

What network is the PNC Spend Wise Visa Credit Card on?

The PNC Spend Wise Visa Credit Card runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the PNC Spend Wise Visa Credit Card available in United States?

Yes — the PNC Spend Wise Visa Credit Card is issued by PNC Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

How current is this PNC Spend Wise Visa Credit Card information?

No figure we hold for the PNC Spend Wise Visa Credit Card has been checked against a published document yet, so we show no check date. Not published by PNC Bank where we checked: earn rates and welcome offer. We could not verify, so we do not print: annual fee, foreign transaction fee and purchase APR. Check them with PNC Bank. Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with PNC Bank before you apply.