PNC Spend Wise® Visa® Credit Card: annual fee, APR and rewards

Fact sheet for the PNC Spend Wise® Visa® Credit Card, issued by PNC, with no annual fee and an intro APR offer. 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	19.49% to 27.49%, based on your creditworthiness. This APR will vary with the market based on the prime rate.
Intro APR	0% introductory APR for the first 18 months following account opening (purchases); 0% introductory APR for the first 18 months following account opening when the balance is transferred within the first 90 days following account opening (balance transfers)
Balance transfer fee	Either $5 or 4% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, 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, Limited (tiers the issuer reports to the CFPB)

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 26.24%, with a range of 19.74% to 30.24%. 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.