THE CARDTUNED DATABASE
PNC Spend Wise Credit Card
Issuer: PNC Bank · Network: Visa
Reduced purchase APR can apply after qualifying on-time payment behavior; no rewards focus
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% intro APR on purchases for 18 months; 0% intro APR on balance transfers for 18 months when transferred within 90 days
- Regular APR
- 19.49%–27.49% variable APR after the introductory period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
No cash or points welcome bonus; 0% introductory APR applies for 18 months under the published terms.
Offer last checked: 2026-09-04
Additional benefits
• 0% intro APR on purchases for 18 months and on balance transfers made within 90 days for 18 months.
• Eligible accounts can earn a 2-percentage-point purchase APR reduction after each qualifying 12-billing-cycle review period.
• Price Protection may reimburse up to $1,000 if an eligible purchased item is advertised for less within 60 days.
• Porch Piracy Protection may reimburse up to $10,000 per claim when an eligible purchase is stolen within 90 days.
• Cell phone protection up to $800 when the monthly wireless bill is paid with the card.
Restrictions to know
No traditional rewards program. Each APR reduction requires at least $3,000 in posted net purchases and every minimum payment made by its due date during the 12-billing-cycle review period; reductions stop once the standard purchase margin reaches 8.74%. Minimum qualifying credit line is $500. Balance transfers must post within 90 days for the intro rate. Price, porch-theft, phone, and subscription benefits require eligible purchases and compliance with coverage terms.
Who can apply
Subject to PNC credit approval, identity and income verification; current application rules and minimum credit-line requirements apply.
Credit profile: Not Public / issuer underwriting applies