PNC Secured Visa® Credit Card: deposit, fees and APR
Fact sheet for the PNC Secured Visa® Credit Card, issued by PNC, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
| Issuer | PNC |
|---|---|
| Network | Visa |
| Annual fee | $0 |
| Rewards | No rewards |
| Purchase APR | 25.49% This APR will vary with the market based on the prime rate. |
| Balance transfer fee | Either $5 or 5% of the amount of each balance transfer, whichever is greater |
| Foreign transaction fee | 3% of each transaction |
| Credit level | Excellent, Good, Poor, Limited (tiers the issuer reports to the CFPB) |
| Secured | Yes, a refundable deposit sets the limit |
What new cardholders actually got
In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 25.99%, with a range of 24.24% to 26.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.
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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. pnc.com/en/personal-banking/banking/credi… · pnc.com/en/personal-banking/banking/credi… · pnc.com/content/dam/pnc-com/pdf/personal/…