We look at a variety of factors, including, among other things, your credit history, income and any existing PNC relationship, to determine whether you qualify for at least the minimum credit line associated with the credit card product for which you are applying. If we decline your application, we will provide you with the reasons for the decline.
Student Credit
Card Center
Learn about using credit cards responsibly, as well as the benefits & features of our credit cards.
PNC Cash Rewards® Visa® Credit Card
- You'll receive a $250 Bonus[2] after you make $1,000 or more in purchases[3] during the first 3 months following account opening. Bonus eligibility restriction: Only one new account opening bonus on a PNC Cash Rewards credit card per customer within a 24-month period.[4]
- Cash back[5] is automatic - there's no need to enroll or track rotating categories.
- Cell phone protection available. Limitations apply.[6]
Not what you're looking for? Check out our other products!
Credit Tips & Tools
Whether you’re just beginning to explore credit, or already have a credit card, PNC is here to help you start – and stay on – the right financial path.
Credit Basics
Credit cards provide convenience and even rewards based on spending. However, if cardholders don’t manage their cards carefully, they may find themselves facing unwanted consequences like a poor credit score or unexpected fees.
Credit Scores
When you apply for credit, lenders determine your eligibility by examining your credit scores, also known as FICO® scores. Each of the three main credit bureaus — Experian, TransUnion, and Equifax — keep credit information about you that is used to calculate your FICO scores. This includes your payment history, the amount of money you owe creditors, the length of your credit history and the number of recently opened credit accounts.
Building Credit
Understanding what credit is and how your credit score can be improved is a crucial step toward reaching your financial goals. Your credit score is a measure of factors that may affect your ability to repay credit. It's a complex formula that takes into account how you've repaid previous loans, any outstanding debt, and other financial history.
Credit Report
To get a glimpse of your financial future, many businesses look at your past. Your financial history is contained in your credit report, which can determine everything from whether you qualify for a loan and the rate you'll pay on that loan to your prospects for renting an apartment or obtaining car insurance. A strong credit report is key to building and managing your finances.
Credit Resources
Make sure you create financially smart habits by requesting your free credit report annually. Keep track of your score and review it for inaccuracies with these tips.
Benefits & Features
Look forward to exceptional service and a convenient way to pay –
included with every PNC credit card
PNC has got you covered with many more ways to pay.
Digital wallets provide ease and convenience when making payments. Add your eligible PNC Visa® card to a digital wallet to shop in-store, in-app or online with your mobile or wearable device.
Our Highest Level of Security Comes Standard
Here are just a few of the ways you’re protected:
Manage Your Account
We provide convenient options for taking control of your money and managing your account.
Start Here: Online Banking
PNC Online Banking makes it easy to set up your account for success. It’s the free way to stay connected to your account how and when you want.[10]
Sync up with Virtual Wallet Student®
If you have a Virtual Wallet Student account, you can seamlessly add your PNC credit card to your Calendar and see your transactions automatically sorted in
Spending + Budgets.
Pick Your Own Payment Due Date
For extra convenience, PNC lets you select when your payment is due.[11] Contact us and we can help you find an eligible date that works best for your schedule and budget.
Use Custom Text Alerts to Stay Connected
Set up PNC Alerts and we’ll text or email you about important credit card activity – like when your payment is due, or each time a transaction posts to your account.[8]
Pay Your Bill the Easy Way – Automatically
On-time payments can help you establish a solid credit history. And automated payments make paying on time a breeze. Set it up once and you’re done. But always be sure to review your statement every month and let us know as soon as possible if you think there is an unauthorized transaction or you believe there is a mistake on your statement.
Access Your FICO® Score at No Charge – and Keep Moving Toward your Goals
As a PNC cardholder, you can check your FICO® Score online as often as you’d like within PNC Online Banking.[9] There’s no charge, and you’ll also learn about 2 key factors that have impacted your score.