The PNC Spend Wise card offers a solid 18-month 0% intro APR on both purchases and balance transfers, making it a good choice for those looking to manage debt or finance a big purchase interest-free for a year and a half. With no annual fee, it also provides some useful perks like price protection and porch piracy protection, which can offer peace of mind for your purchases. However, the card lacks ongoing rewards, so it may not be the best fit if you're looking to earn cash back or points on everyday spending. The Purchase APR Reduction Program could be appealing if you plan to carry a balance, as it offers a potential reduction in your standard purchase APR over time. Additionally, the $25 annual digital subscription credit is a nice bonus for those who regularly use services like Spotify, Netflix, or Disney+.
Earn rates & credits
| Credit | Value |
|---|---|
Digital Subscription Credit Up to $25 in annual credits for eligible Spotify, Netflix, and Disney+ purchases | $25 /yr |
| Total annual value | $25 |
Card details
Regular APR | 19.49%–27.49% variable |
Intro APR on purchases | 0% for 18 months |
Intro APR on balance transfers | 0% for 18 months |
Foreign transaction fee | Yes |