A man with an expression of surprise or excitement in front of a PNC Bank building.

Total euphoria among PNC Bank customers: they've been waiting for years for this

PNC Bank unveils in grand fashion the innovation that will change the way thousands of clients manage their money

Since its recent launch, the new PNC Bank product in the United States has sparked a genuine outcry among its customers. This move comes at the perfect time. Right after the success of the PNC Cash Unlimited card, it has caused a great deal of positive feedback among many people.

This is the PNC Spend WiseSM. We're talking about a credit card with a $0 annual fee that combines multiple benefits designed for the modern user.

Pnc bank is satisfied with its new card: everyone wants it in the U.S.

PNC Spend WiseSM has been designed to "encourage responsible financial habits" and the big innovation is its APR Reduction Program. Every 12 billing cycles, if you pay at least the minimum and reach $3,000 in purchases, you reduce your APR by 2 percentage points, down to a minimum of 8.74%.

A man with a surprised expression in front of a PNC Bank building.
The advantages of this card are spectacular | Billion Photos, en.catalunyadiari.com, Grok

It also offers a 0% introductory APR for 18 months on purchases and balance transfers (if requested within the first 90 days), with no annual fee.

The reason why PNC Spend WiseSM is so popular

This card is very popular because of its price protection: if you buy something and the price drops within 60 days, you can recover up to $1,000. There's also package theft protection: it covers up to $10,000 if your purchase is stolen within the first 90 days.

Mobile phone protection: up to $800 if you pay the plan with this card. In addition, it has the annual credit for digital subscriptions: $25 per year applicable to services like Spotify, Netflix, or Disney+. These benefits make the card stand out compared to other cards with no annual fee.

How to get it in a few steps: PNC Bank makes it easy

Although it's available online and in its app, you must be a PNC Bank customer to apply. If you're not yet a customer, you need to open an account — which you can do at a physical branch in the 27 states where PNC operates and in Washington DC.

A person with a surprised expression holds their glasses in front of a PNC Bank sign.
All PNC Bank customers are amazed by Spend WiseSM | Getty Images, en.catalunyadiari.com, Grok

The process is simple: if you're already a customer, you can apply for the card from your online banking or from PNC's mobile app. The approval process is usually quick and the minimum required credit is $500.

Important advantages you can't miss

Among its advantages is having no annual fee: ideal for those looking for a practical and economical card. In addition, a 0% APR for 18 months: it allows you to finance purchases or debt transfers with no interest at the beginning.

What's more, there's the annual APR reduction: a real opportunity to save if you tend to keep balances. The added protections, from prices and packages to your mobile, back up your purchases. Plus, you have the subscription credit: a small extra that many people value.