PNC Flex

PNC Flex

PNC Flex

PNC Flex

PNC Flex

Card details

  • Earn 4 points per $1 spent on purchases

  • Although you earn 4 points per $1 spent, each point is worth at most 1/4 of a cent, so its basically a 1% card

  • You also get additional points by carrying a balance - each month you earn 100 points per $1 of non-teaser rate interest paid for debt balances above $1,500; or 100 points for every $2 of non-teser rate interest paid for debt between $500 and $1,500

  • Think about the debt points as a kickback of 0.25% for balances above $1,500, and half of that for balances of $500 to $1,500

  • The card has an abnormally high 4% balance transfer fee, so be sure to factor that in when considering this card for a balance transfer

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    3,000 PNC Points Bonus - after first purchase

  • Intro APR

    Purchase: None

    Transfer: 1.99% for 24 mos

  • Ongoing APR

    Min APR: 11.74%, Variable

    Max APR: 20.74%, Variable

    Penalty APR: Up to 29.74%, Variable

    Cash Advance APR: 22.74%, Variable

  • Balance transfer fee

    4%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

PNC Flex Credit Card

PNC Flex

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

11.74% - 20.74% Variable

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

Purchase: None

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By NerdWallet

Rating details

3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • 1.99% for 24 mos on transfers

Cons
  • Needs excellent credit

Haven't gotten around to this one yet, but please put your own review in the comments below!