PNC Spend Wise^®: 18 Months of 0% APR on Purchases & Balance Transfers

Pros and Cons

Pros:

• No annual fee
• Introductory 0% APR on purchases and balance transfers
• Potential for a lower ongoing purchase APR
• Excellent purchase protections, especially porch piracy and cell phone coverage
• Small annual subscription credit

Cons:

• No rewards
• Foreign transaction fee
• No traditional welcome bonus
• Balance transfers carry a fee, even during the introductory period
• The APR reduction requires qualifying spending and timely payments

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 18 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 90 days.

Big4credit Tip: The card offers 18 months of 0% intro APR on purchases and balance transfers, followed by a variable APR of 19.74% - 27.74%. However, if carrying a balance is your priority, some low-interest credit cards offer lower ongoing APRs than the PNC Spend Wise^®, even after its potential 2-percentage-point annual APR reduction.

Best 0% APR Credit Cards

Best Credit Cards for Balance Transfers

• Regular APR: After the introductory period, a variable APR of 19.74% - 27.74% applies to purchases and balance transfers.
• Annual APR Reduction: Earn a 2-percentage-point reduction in your standard purchase APR each year by making at least $3,000 in posted net purchases and paying at least the minimum amount due by every payment deadline during the 12-billing-cycle review period.

Big4credit Tip: It’s rare for a credit card to reward responsible payment behavior with a lower interest rate. The PNC Spend Wise offers an opportunity to reduce your standard purchase APR by 2 percentage points each year. To qualify, you must make at least $3,000 in posted net purchases and pay at least the minimum amount due by every payment deadline during the 12-billing-cycle review period. For example, if your current purchase APR is 27%, qualifying for the reduction would lower it to 25%. However, the reduction has a floor: once your APR reaches 8.74% plus the prime rate, you cannot qualify for further reductions.

• Intro Balance Transfer Fees: $5 or 4% of the transfer amount, whichever is greater, for balance transfers made within the first 90 days.
• Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Annual Credits & Statement Credits

$25 Annual Digital Subscription Credit: Receive up to $25 in statement credits annually for eligible digital subscription purchases: - Spotify^® - Netflix^® - Disney Plus^®

Travel & Emergency Assistance

• Roadside Assistance: Dispatch service available; service fees apply.

Purchase Protections

• Porch Piracy Protection: Receive reimbursement of up to $10,000 per claim and $50,000 per cardholder for eligible items purchased with your PNC Spend Wise Visa credit card if stolen within 90 days of purchase.
• Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.
• Price Protection: Receive reimbursement of the price difference, up to $1,000, if an identical eligible item purchased with your PNC Spend Wise Visa credit card is advertised for less within 60 days of purchase.

Big4credit Tip: Price protection is a valuable benefit that has become increasingly rare among credit cards. With the PNC Spend Wise Visa, you can receive reimbursement for the price difference on an eligible purchase if an identical item is advertised for less within 60 days of the original purchase. This can help you save money even after you’ve completed a purchase.

Ratings

• Net Value & Cost Efficiency: 6.7/10
• Rewards & Earnings Power: 0/10
• Welcome Bonus Value: 0/10
• First-Year Earning Boost: 0/10
• APR & Interest Structure: 7.5/10
• Simplicity & Transparency: 8.2/10
• Perks, Benefits & Protections: 2.7/10
• Issuer Credibility & Stability: 6.1/10
• Installment & BNPL Features: 0/10
• Eligibility & Approval Accessibility: 7.8/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Terms and Conditions

• Click Apply Now to see the terms and conditions.

» MORE: See Big4credit’s best 0% APR credit cards

The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.

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