PNC Flex® Visa® Credit Card

If you tend to carry a balance on your credit card, you want to save on interest and still earn rewards. PNC Flex helps you do both.

Introductory Offer

  • Introductory 1.99% Annual Percentage Rate (APR) on balance transfers for the first 24 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.

    Then a variable APR, currently 10.99% to 19.99%, based on creditworthiness. This APR will vary with the market based on the prime rate.*

     

No Annual Fee*

Save on interest rate

  • Get an introductory offer with a low balance transfer rate for the first 24 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.

Earn 4 points for every $1 in qualifying purchases

  • There is no limit to the number of points you can earn
  • You'll be automatically enrolled in the PNC points® program

Get more points with a qualifying checking account

  • Earn 100 bonus points for every $1 in non-promotional interest billed if you have a qualifying checking account balance of $1,500 or more
  • Earn 100 bonus points for every $2 in non-promotional interest billed if you have a qualifying checking account balance of $500.00-$1,499.99
  • See Summary of Flex® Rewards Program

Redeem for as few as 3,000 points

  • Redeem points for cash rewards, exciting merchandise, gift cards, travel and more

Rates and Fees

Introductory Offer Introductory 1.99% Annual Percentage Rate (APR) on balance transfers for the first 24 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.

Then, the Purchase and Balance Transfer APR.

Annual Fee $0
Purchase & Balance Transfer APR 10.99% to 19.99%, based on creditworthiness.
This APR will vary with the market based on the prime rate.
Cash Advances APR 21.99%
This APR will vary with the market based on the prime rate.
Penalty APR 28.99%
This APR will vary with the market based on the prime rate
Minimum Interest Charge $1.50
Transaction Fees:
Balance Transfers

Cash Advances

Foreign Transaction

Either $5 or 4% of the amount of each balance transfer, whichever is greater

Either $10 or 4% of the amount of each cash advance, whichever is greater

3% of each foreign transaction in U.S. dollars
Penalty Fees:
Late Payment

Returned Payment

Up to $35

Up to $35
  Important Information About Rates & Fees

Apply Now

It's safe and secure and takes less than 5 minutes. Get a response in minutes and your card in 7-10 days

Apply Now

*Important Information About Rates and Fees

**Rewards Program Terms and Conditions

Need Help?

Call 1-800-762-5684

  • Mon - Fri: 7am - 10pm ET
  • Sat - Sun: 8am - 5pm ET

Ways to Apply

  • Online through the website

  • By phone

    Call 1-800-762-5684

    • Mon - Fri: 7am - 10pm ET
    • Sat - Sun: 8am - 5pm ET
  • In person at a branch

  • Offline through a printable application to mail or fax.

Visa is a registered trademark of Visa International Service Association and used under license.

PNC Flex is a registered mark of the PNC Financial Services Group, Inc.

See the PNC points Program Terms and Conditions for details. PNC Bank reserves the right to change or terminate the PNC points program at any time.

PNC points is a registered mark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC