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 | ||
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Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR11.74% - 20.74% Variable | Regular APRSee Terms | |
Intro APRPurchase: None | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |