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Can I use my PNC card internationally?

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November 5, 2023

By Kristy Tolley

Using PNC Card Internationally

If you’re planning to travel abroad, you may be wondering if you can use your PNC card. The good news is that PNC offers several cards that are accepted worldwide, making it easy to access your funds while traveling. However, there are some important things to consider before using your PNC card overseas, including fees, currency conversion rates, and cardholder protections.

PNC Card Acceptance Abroad

PNC cards are accepted at millions of locations around the world, including merchants, ATMs, and banks. However, it’s important to note that not all merchants may accept your PNC card, especially in countries where chip-enabled cards are not yet widely used. It’s always a good idea to carry cash as a backup, just in case you encounter a merchant that does not accept your PNC card. Additionally, some ATMs overseas may charge a fee for withdrawals, so it’s important to check with PNC to see if there are any affiliated ATMs that offer fee-free withdrawals.

Types of PNC Cards with Global Acceptance

PNC offers several cards that are accepted worldwide, including the PNC Bank Visa Debit Card, PNC Bank Visa Credit Card, PNC Premier Traveler Visa Signature Credit Card, and PNC Points Visa Credit Card. All of these cards come with chip technology and are accepted at merchants that accept Visa cards worldwide. However, it’s important to note that not all PNC cards come with the same benefits, such as travel rewards or no foreign transaction fees. Be sure to check with PNC to see which card is best for your international travel needs.

PNC Card Fees for International Transactions

When using your PNC card internationally, there may be fees associated with foreign transactions, such as ATM withdrawals, purchases, and currency conversions. These fees can vary depending on the type of PNC card you have and the country you are visiting. It’s important to check with PNC to understand what fees may apply to your specific situation. Additionally, it’s a good idea to notify PNC of your travel plans ahead of time, so they can monitor your account for any suspicious activity.

PNC Card Currency Conversion Rates

When using your PNC card overseas, you may encounter currency conversion rates that are different from the ones you’re used to. These rates are determined by the foreign exchange market and can fluctuate frequently. PNC offers a currency conversion tool on their website to help you estimate the cost of your purchases in your home currency. It’s important to note that some merchants may offer to convert your purchase into your home currency, but this may come with additional fees and unfavorable exchange rates.

PNC Cardholder Protections Overseas

PNC offers several cardholder protections when using your PNC card overseas. These include fraud monitoring, zero liability for unauthorized transactions, and emergency card replacement. However, it’s always a good idea to take extra precautions when traveling, such as keeping your card in a secure location and not sharing your PIN with anyone.

Activating Your PNC Card for International Use

Before you travel abroad, it’s important to activate your PNC card for international use. This can be done through PNC’s online banking portal or by calling their customer service line. It’s also a good idea to set up travel notifications, so PNC is aware of your travel plans and can monitor your account for any suspicious activity.

Using PNC Online Banking Abroad

PNC’s online banking portal is available worldwide, making it easy to manage your account while traveling. However, it’s important to be cautious when using public Wi-Fi or shared computers, as these may be vulnerable to hacking and identity theft. It’s always a good idea to use a secure connection and avoid accessing sensitive information on public networks.

PNC Card Travel Notifications and Alerts

PNC offers travel notifications and alerts, which can be set up through their online banking portal or mobile app. These notifications can help you stay on top of your account activity while traveling, such as ATM withdrawals or purchases. Additionally, PNC offers fraud alerts, which can notify you of suspicious activity on your account and help prevent fraud.

Alternatives to Using Your PNC Card Abroad

If you’re concerned about fees or acceptance issues when using your PNC card overseas, there are several alternatives to consider. These include carrying cash, using a prepaid travel card, or opening a bank account in the country you’ll be visiting. It’s important to research these options ahead of time and understand the fees and benefits associated with each.

Tips for Safe and Secure PNC Card Use Overseas

When using your PNC card overseas, there are several tips to keep in mind to ensure safe and secure transactions. These include keeping your card in a secure location, not sharing your PIN with anyone, and monitoring your account activity regularly. It’s also important to be aware of your surroundings and avoid using your card in areas that may be vulnerable to fraud or theft.

Conclusion: Using Your PNC Card Internationally

Using your PNC card overseas can be a convenient way to access your funds while traveling. However, it’s important to be aware of fees, currency conversion rates, and cardholder protections when using your card abroad. By taking the necessary precautions and staying informed, you can use your PNC card with confidence while traveling the world.

Kristy Tolley

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PNC Travel Notice: A Complete Guide

We know this for sure: traveling is one of the most rewarding experiences of a lifetime, and not many would disagree. It’s about exploring new destinations and immersing yourself in different cultures, the allure of travel is undeniable. However, amidst the excitement, it’s essential to take care of logistical aspects to ensure a smooth journey so that you don’t encounter any troubles during your adventures abroad.

One of the significant concerns for travelers is ensuring uninterrupted access to their bank accounts. This brings us to the importance of a ‘PNC travel notice.’

Suppose you are a PNC Bank customer planning an upcoming trip. This guide will give you a comprehensive understanding of the PNC travel notice, its variations, and how to set one up efficiently.

Table of Contents

What is a pnc travel notice, keyword variations to understand, 1. via the pnc app:, 2. online banking:, 3. in-person or over the phone:, check your card type and fees, carry multiple cards, use chip and pin technology, notify pnc of any changes, monitor your account activity, wrapping up, frequently asked questions (faqs).

A PNC travel notice is a notification you provide to PNC Bank, informing them of your travel plans .

By setting up this notice, you’re alerting the bank about potential foreign transactions on your account. This helps in two main ways:

• Preventing Unwanted Blockages: Banks use sophisticated algorithms to detect suspicious activity on your account. A sudden transaction from a foreign country could flag your account, leading to an unwanted block. By setting up a travel notice, you’re pre-emptively letting the bank know such a transaction is expected.
• Ensuring Smooth Transactions: With the bank informed about your travel plans, you can confidently use your PNC card abroad, knowing that your transactions will go smoothly.

While the term ‘PNC travel notice’ is widely used, one might come across several variations of the phrase. Here’s a brief on each:

• PNC Bank Travel Notice: This straightforward variation explicitly mentions the bank’s name.
• Travel Notice PNC: A simple inversion of the main keyword, this term serves the same purpose.
• PNC Travel Notice on App: This refers to setting up the travel notice via PNC’s mobile application.
• PNC Card Travel Notice: This emphasizes using the PNC card during travels.
• PNC Credit Card Travel Notice: A more specific version focusing on PNC’s credit card services.
• PNC Online Banking Travel Notice: This refers to setting up the notice via PNC’s online banking platform.

Setting Up Your PNC Travel Notice

The PNC mobile app provides an intuitive interface to set up your travel notice. Here’s a step-by-step guide:

• Open the PNC app on your smartphone.
• Navigate to the ‘More’ or ‘Settings’ tab.
• Look for the ‘Travel Notice’ option and select it.
• Fill in your travel details, such as destinations and travel dates.
• Confirm the information and submit.

If you prefer using a desktop, PNC’s online banking platform is equally efficient:

• Log in to your PNC online banking account.
• Navigate to the ‘Services’ or ‘Account Settings’ section.
• Find and select the ‘Travel Notice’ option.
• Provide the necessary travel details and confirm.

For those who prefer a more traditional approach:

• Visit your nearest PNC bank branch and speak with a representative.
• Alternatively, call PNC’s customer service and provide them with your travel details.

Tips and Tricks for Using Your PNC Card Abroad

Now that you’ve set up your travel notice, you can use your PNC card abroad.

However, there are some additional tips and tricks that can help you make the most of your card and avoid any hassles:

Depending on whether you have a debit or credit card from PNC, there may be different fees associated with foreign transactions.

For example, debit cards may charge a 3% foreign transaction fee and $5 per ATM withdrawal, while credit cards may vary depending on their features.

It’s advisable to check your card type and fees before you travel and plan your budget accordingly.

It’s always a good idea to have more than one card with you when you travel in case one gets lost, stolen, or damaged. You can also use different cards for different purposes, such as one for ATM withdrawals and another for purchases. This way, you can minimize the fees and maximize the rewards.

Most PNC cards come with chip and PIN technology, adding an extra security layer to your transactions.

Instead of swiping your card and signing a receipt, insert your card into a terminal and enter your PIN. This reduces the risk of fraud and identity theft. However, not all merchants may accept chip and PIN cards, so carrying some cash is best.

If your travel plans change unexpectedly, such as extending your stay or visiting a different country, you should notify PNC immediately. This way, you can update your travel notice and avoid any potential issues with your card. You can do this via the app, online banking, or phone.

While traveling, monitoring your account activity and reporting any suspicious or unauthorized transactions to PNC immediately is essential.

You can use the app or online banking to check your balance, view your transactions, and set up alerts. You can also contact PNC’s customer service if you need any assistance.

Traveling is an exciting and enriching experience that can broaden your horizons and create lasting memories. However, it also requires careful planning and preparation to ensure a hassle-free trip . One of the key aspects of travel planning is ensuring access to your bank account and using your card abroad.

By setting up a PNC travel notice, you can inform the bank of your travel plans and avoid any unwanted blockages or fees on your account. You can also use tips and tricks to make the most of your card and enjoy smooth transactions.

Whether traveling for business or pleasure, a PNC travel notice can help you have a stress-free and enjoyable journey.

You can set up a travel notice via the PNC mobile app, online banking, by visiting a branch, or over the phone.

The process is similar to the general PNC travel notice. Use any of the abovementioned methods and specify that you’ll use your PNC card abroad.

Open the app, go to ‘More’ or ‘Settings,’ find the ‘Travel Notice’ option, enter your details, and submit.

Choose from the options: PNC app, online banking, in-person, or over the phone.

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• Where to exchange foreign currency
• Understanding currency exchange Services

How to exchange foreign currency

• Benefits of using local services

15 Banks and Credit Unions that Exchange Foreign Currencies

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• Not all banks or credit unions exchange foreign currency.
• Our list has options that let you exchange foreign currency at a branch, over the phone, or online. 
• Most financial institutions require you to be a customer to exchange foreign currency.

If you're looking to exchange currency for a trip abroad, major brick-and-mortar banks or credit unions can help you get different currencies at a fair exchange rate. 

You won't want to visit your nearest branch on a whim, though, as some banks do not offer exchanges. Here's everything you need to know about exchanging currency — from where you can go to what you'll need to place an order.

Financial institutions that allow you to exchange foreign currency

The following 15 banks and credit unions exchange foreign currency. These financial institutions are also featured in our guides for the best banks and the best credit unions. Keep in mind most banks or credit unions require you to be a customer to exchange currency.

• America First Credit Union : Credit union members may visit select branches to exchange up to $5,000. There's a $10 transaction fee if you exchange more than $300 and a $20 fee for exchanges under $300.
• Bank of America : Bank of America customers may exchange up to $10,000 online. You can also place an order over $10,000 at a branch. There isn't a fee for exchanging currency, but if you have your order shipped home, there's a $7.50 fee. If you place an order for $1,000 or more, you must pick up your money at a branch.
• Citi : You can call or visit a branch to exchange over 50 types of currency. There's no fee for Citigold or Citi Priority Account Package customers. Citi customers with accounts not mentioned will have to pay a $5 service fee for any transaction under $1,000. If you'd prefer to have money sent to your home, there's a $10 to $20 fee, depending on your shipping priorities. 
• Citizens Bank : You may exchange currency at a branch. Contact a Citizens Bank branch for information on pricing.
• Chase Bank : Chase customers may exchange currency at local branches. You'll have to call your nearest branch to learn about transaction fees. 
• First Citizens Bank : Customers may exchange over 70 types of currency at branches. There aren't any limits on how much you can exchange, but you'll need to contact your nearest branch to learn more about potential fees. 
• First Horizon Bank : First Horizon Bank has currency for more than 65 countries. Bank account customers have to visit a branch to exchange currency and learn more about potential fees.
• Huntington Bank : Huntington Bank customers can exchange up to $20,000 for an $8 fee at bank branches. The bank has 75 types of currencies.
• PNC Bank : PNC Bank lets customers exchange currency at local branches. You'll want to call your PNC branch first so currency can be delivered beforehand. The bank charges zero transaction fees for exchanging currency.
• Regions Bank : Regions customers may exchange currency at local branches. You'll have to visit a branch to exchange currency and learn more about potential fees.
• Service Federal Credit Union : Service Credit Union has over 60 types of currencies. You may call or visit a local branch to place an order. Orders under $500 may entail a $15 transaction fee. 
• State Employees Credit Union: Only credit union members can exchange foreign currency at branches. You'll want to call SECU customer service before you visit a branch to ensure the type of currency will be available at your nearest location. The credit union does not charge fees for exchanging currency.
• TD Bank : TD Bank has 55 types of currencies. You do not need to have a TD Bank account to place an order. Orders can be done online or at a TD branch. However, keep in mind online orders have $7.50 fee and a maximum order limit of $1,500. 
• U.S. Bank : US Bank customers may exchange currency at a local branch or online. There's a $10 transaction fee for orders of $250 or less. Orders that exceed this amount do not have a transaction fee. 
• Wings Financial Credit Union : Wings Financial Credit Union has over 90 different currencies. Only members may place orders. There's a $10 transaction fee for orders under $300. The fee is waived if you make an order over $300. 

Understanding currency exchange services

Currency exchange allows you to swap out one denomination of money (for example, U.S. dollars) with another denomination (for example, Euros). There are several reasons you'd exchange currency; the two most common are exchanging money for traveling purposes, such as when you're vacationing in another country, and forex trading, where you exchange currency as an investment in the hopes of making money.

The forex market generally informs what rates you can get when exchanging money at banks and credit unions , although your rates won't be as favorable as the rates the bank is getting. You'll want to compare currency exchange rates locally to see which financial institution offers the best rate.

Not all financial institutions exchange currency. Even if your bank provides this service, your nearest branch may only have certain types of currency available or limited amounts.  

To avoid unnecessary trips to a bank, consider taking the following steps for purchasing currency.

Call your bank's customer service

Sandra Jones, senior vice president of member communications at State Employees Credit Union, recommends calling your bank's customer service to see if your location has the type of currency you need to exchange.

If the currency isn't immediately available, a bank representative can place an order.

Some financial institutions may offer to have the money sent to your home for a fee. If your bank requires you to exchange currency in person, you can set up an appointment to visit a branch. 

While you can check exchange rates online to get a rough idea of how much money you'll need, Jones says online rates do not accurately represent the rates available at financial institutions. You'll want to ask a banker about exchange rates, instead.

Make sure you have everything to complete the order

When you are exchanging currency, make sure you have the following readily available: 

• A U.S. ID, like your driver's license or passport
• Currency being exchanged
• Additional cash or payment option if your bank charges a transaction fee

Banks will usually charge a transaction fee for exchanging currency. You'll either pay a flat fee or a variable fee. It depends on the amount and type of currency. 

A bank representative will guide you through the steps of buying currency at your appointment.

When you return from your trip, your financial institution may also be able to buy back the foreign currency.

Benefits of using local currency exchange services

The biggest benefit of using local currency exchange services is that you're almost definitely getting a better rate than you'd get if you waited until you're in the airport or in the country you're visiting.

When you're at the airport or your destination, you might have a time limit; it's either right before or during the time you need the new currency. You'll only be able to use instant currency exchange locations. If you exchange your currency before you leave, you'll have weeks or months to compare rates. You can even use online banks , because you'll have time to wait for the money to get to you.

What's more, the rates at airports and near tourist locations are likely to be worse than the rates you'd find locally, because the people who run those currency exchange services know that you don't have many other choices. The best foreign exchange rates nearby your home won't have that assumption.

Currency exchange services FAQs

Compare rates from multiple providers, check for hidden fees, and stay updated on current market rates to get a good exchange rate. Online currency converters can provide a benchmark for what to expect.

If possible, avoid airport currency exchanges. They tend to have higher fees and offer you a worse rate, because they know you don't have other options. Exchanging currency before the trip will help you get the best rate.

Whether secure currency exchange services near you will allow you to negotiate will depend heavily on where you're getting the service. There are many places that won't let you negotiate, but you can always ask to see if they're willing to give you a better rate.

Online currency exchange services are generally safe, especially if they're at a bank or credit union. However, you should always research the service you're planning to use ahead of time to see if they've had any scandals and read reviews.

Generally, you'll want to exchange currency before arriving in the country you're traveling to. You'll have more time to look for a good rate, you usually know your local area better than the country you're going to, and you're less likely to end up at a currency exchange that targets tourists.

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What Banks Charge for Debit Foreign Transaction Fees

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Foreign transaction fees can add up fast when using your debit card abroad . The fees are often 1% to 3% of the amount of a purchase, and many banks also apply the fee to ATM withdrawals.

Below, we compare the amount financial institutions charge to make an international ATM withdrawal or debit card purchase.

» Looking for information about credit cards? See how to avoid credit card foreign transaction fees.

Banks with no debit card foreign transaction or ATM fees

Capital one 360.

Capital One’s online bank stands apart from many banks because it doesn’t charge a currency conversion fee or a fee for using a foreign ATM network. If an out-of-network ATM operator charges you a fee, however, it won’t be reimbursed by Capital One 360.

Charles Schwab Bank

This brokerage firm’s banking unit doesn't charge a fee when you use its debit card at an ATM overseas, and it offers unlimited reimbursements for ATM fees from cash withdrawals worldwide, regardless of the network used. And it doesn't charge currency conversion fees for debit card transactions.

Discover® Bank

Discover doesn’t charge foreign ATM network or foreign transaction fees. But Discover card acceptance can be limited outside of the U.S., Canada, Mexico and some Caribbean nations.

With an HSBC Premier Checking account, customers pay no foreign transaction fees. HSBC also has a worldwide network of ATMs.

The mobile-only banking app Varo joins the ranks of other travel-friendly banks. It charges no foreign transaction fees or ATM fees at over 40,000 Allpoint® ATMs. (There is a $3.50 charge on out-of-network and international ATMs.)

Foreign transaction fees by bank or credit union

How do I avoid foreign transaction fees on my debit card?

You may want to consider switching to a bank with no foreign transaction fees. Travelers can also benefit from a credit card that skips these fees, especially if you go abroad frequently.

» See NerdWallet's picks for the best no foreign transaction fee credit cards.

And no matter where you bank, let your financial institution know where you'll be traveling before you depart to avoid any unwarranted fraud alerts on your account.

» Want to earn more on your savings? Browse NerdWallet's list of best high-yield online savings accounts.

Member FDIC

SoFi Checking and Savings

4.60% SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

EverBank Performance℠ Savings

on Wealthfront's website

Wealthfront Cash Account

on Betterment's website

Betterment Cash Reserve – Paid non-client promotion

5.50% *Current promotional rate; annual percentage yield (variable) is 5.50% as of 4/2/24, plus a .50% boost available as a special offer with qualifying deposit. Terms apply; if the base APY increases or decreases, you’ll get the .75% boost on the updated rate. Cash Reserve is only available to clients of Betterment LLC, which is not a bank; cash transfers to program banks conducted through clients’ brokerage accounts at Betterment Securities.

Marcus by Goldman Sachs High-Yield CD

5.00% 5.00% APY (annual percentage yield) as of 04/29/2024

Discover® CD

4.70% Annual Percentage Yield (APY) is accurate as of 03/14/2024

Discover® Cashback Debit

Chase Total Checking®

Deposits are FDIC Insured

Chime Checking Account

Discover® Money Market Account

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Find a better checking account

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Foreign Transaction Fees by Bank

When traveling internationally, be aware of the assorted fees you may pay to use your debit card.

Getty Images

There are a few fees to keep in mind.

There's no doubt that traveling abroad can be expensive. Accounting for expenses including airfare, hotel stays, meals and excursions, you'll need to budget and save for a big trip so you don't rack up debt.

In addition to these more obvious expenses, there is another potential cost of international travel you may not be aware of: foreign transaction fees. These fees can add up , so it's important to understand how they work and how to avoid them.

Best Place to Exchange Foreign Currency

Ellen Chang Jan. 5, 2024

What Fees Can You Be Charged When Traveling Internationally?

There are a few fees you may have to pay when making purchases outside of the U.S. Collectively, they’re considered foreign transaction fees , although specific types of fees are charged in different situations. It's important to know when certain fees apply.

Foreign Transaction Fees

A foreign transaction fee is a charge that your credit card issuer or bank adds to your bill when you use your credit or debit card to make a purchase in a foreign currency. This fee is usually a percentage of the purchase amount and typically around 1% to 3%. For example, if you make a $100 purchase while traveling abroad and your foreign transaction fee is 3%, you'll pay an extra $3, which will show up as a separate line item on your bill.

Foreign transaction fees can apply to all kinds of transactions made abroad, including those at restaurants, hotels and retailers. "You may also incur this fee when making online purchases from companies that are based overseas," says Scott Lieberman, founder of personal finance website TouchdownMoney.com and extensive international traveler.

It's important to note that not all cards impose these fees. Some cards are specifically designed for international travel and don't charge foreign transaction fees.

Dynamic Currency Conversion Fees

Your credit card or debit card issuer, payment network or ATM network may charge this fee for converting one currency to another . It isn't the same as a foreign transaction fee, but your card issuer or bank may roll the dynamic currency conversion fee into the total foreign transaction fee. Typically, a DCC fee is around 1% of the transaction amount.

You have a choice when it comes to paying a DCC fee. Merchants usually aren't allowed to perform a currency conversion without your consent. For example, say you're shopping in London and want to buy a gift for 125 euros, but you aren't sure what that would cost you in U.S. dollars. The merchant may offer to perform a DCC and allow you to pay in your home currency, but you can decline this service and pay in euros to avoid the fee. Depending on your payment method, however, you may still have to pay the foreign transaction fee.

International ATM Fees

There are a few fees to be aware of when withdrawing money from an ATM abroad. You might have to pay a DCC fee to convert the transaction from your home currency to the local currency (or the ATM operator may give you a bad conversion rate). Your bank may charge a foreign transaction fee, even if you're using an in-network ATM. If you're using an ATM that is outside of your bank's network, you may pay an additional out-of-network ATM fee. Finally, the ATM operator could charge you a fee for using its machine.

Banks With No Foreign Transaction Debit Card or ATM Fees

Many credit card issuers offer cards with no foreign transaction fees. Debit cards with no foreign transaction fees are less common, but they do exist.

4 Things to Know About Offshore Accounts

Maryalene LaPonsie April 26, 2018

Foreign Transaction Fees by Bank 

If you're planning to travel internationally, it's a good idea to review your debit cards and determine what types of fees you may incur on foreign transactions.

The following is a look at debit card and ATM foreign transaction fees for many of the largest banks in the country.

The Right Way to Use Your Debit Card Abroad

Lieberman advises against using a debit card for purchases when traveling outside of the U.S. "Try to use cash or a credit card," he says. "Credit cards offer more consumer protections than debit cards."

Even so, there may be instances when you can't avoid using your debit card. In those cases, consider these tips to save money on fees.

• Use a bank that doesn't charge foreign transaction fees. Ideally, you have a checking account that doesn't charge foreign transaction fees or it reimburses you for them. If not and you have a big trip coming up, it may be worth opening a new account.
• Use a Global ATM Alliance bank. Some banks, including Barclays, Scotiabank and Bank of America, are part of the Global ATM Alliance, which allows customers to use ATMs of other alliance banks throughout the world without paying out-of-network fees.
• Withdraw larger amounts less frequently. If your bank charges a flat fee to use a foreign ATM, consider withdrawing larger amounts of money less frequently rather than making multiple smaller withdrawals.
• Decline currency conversions: When making purchases with your debit card or withdrawing from an ATM abroad, you may be asked if you want the transaction to be converted into your home currency. It's typically best to decline, as the exchange rate provided by your bank will usually be better.

Austin Cole contributed to the reporting for this article.

Tags: banking , currency , debit cards , personal finance

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The top 9 checking accounts for avoiding foreign ATM fees

Update: Some offers mentioned below are no longer available. View the current offers here .

Your flight is booked and you're ready to travel abroad. You renewed your passport and the right credit cards are in your wallet. No matter how prepared you feel you are, though, you'll likely need to withdraw money in the local currency when you're overseas.

You never know when the need for cash will arise, so it makes sense to be prepared by having a debit card that won't charge sky-high ATM withdrawal fees when you're traveling internationally.

Related: 7 ways to save on overseas ATM withdrawals

In today's post, we'll show you nine checking accounts that are optimal for saving on ATM withdrawals while overseas.

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Schwab Bank High Yield Investor Checking® account

Although Charles Schwab is synonymous with investment products, their Schwab Bank High Yield Investor Checking account is a gem. The account comes with a debit card that offers unlimited ATM fee reimbursements, domestically and abroad. It also doesn't tack on foreign transaction fees, monthly fees or have minimum balance requirements. Furthermore, the account earns 0.03% APY — rare for a checking account with no fees whatsoever.

Related: How to cash out points with the Amex Platinum for Schwab, and why you might want to

SoFi Money Checking account

SoFi Money burst onto the foreign ATM reimbursement scene a few years ago and gained popularity quickly with its far-reaching network. The cash management account doubles as a checking account and high-yield savings account — reimbursing account holders at any of 55,000+ ATMs within the Allpoint network. While the account used to reimburse all ATM fees worldwide, regardless of network, Sofi Money customers can still earn 6x the national average in APY (annual percentage yield) versus the competition. Plus, there is no minimum required deposit to open an account and no monthly maintenance fees. Many account holders appreciate SoFi's cutting-edge mobile app that makes it simple to manage your finances from anywhere.

Related: SoFi is launching an unlimited 2% cash-back card — here's what you need to know

Chase Sapphire Banking account

Chase rebranded and introduced its top-tier Sapphire Banking product in 2018 to give Chase Sapphire cardholders and qualified customers more value on everyday banking. If you're able to deposit and maintain $75,000 in combined cash at Chase Bank and investments at J.P. Morgan, this can be a worthwhile checking account to consider. Customers who can meet balance requirements will enjoy no ATM fees worldwide, in addition to free unlimited trades on U.S.-listed stocks and ETFs using the You Invest℠ platform by J.P. Morgan. A monthly service fee of $25 will apply for those not meeting the balance requirement.

If you're a Sapphire cardholder and travel abroad or withdraw cash from ATMs often, the Sapphire Banking account will save you a considerable amount in fees. Though you may want to wait until Chase runs its annual Sapphire Banking promotional bonus offers before signing up.

Fidelity Cash Management account

If you're looking for an account that does away with fees at more than a million ATMs worldwide (anywhere you see the Visa®, Plus®, or Star® logos), Fidelity's Cash Management Account may be a smart option. Although it doesn't impose overdraft fees, you'll need to have a Fidelity investment account if you want to take advantage of its free overdraft protection. Two caveats to keep in mind — the Fidelity Debit Card charges a 1% foreign transaction fee on purchases made abroad, so make sure to use your favorite travel rewards card that doesn't charge foreign transaction fees instead.

Furthermore, Fidelity applies a daily ATM withdrawal limit of $500; therefore, if you need to take out more cash, you're likely better off with another checking account product.

Ally Bank Interest Checking account

Ally Bank offers its competitive Interest Checking account that gives Ally Bank checking account customers access to 55,000 in-network ATMs. There are no fees to use an Allpoint Network ATM, but if you use an out-of-network ATM, they'll reimburse you up to $10 at the end of each statement cycle.

Ally is transparent about their fees with no charges for ACH transfers and incoming wires, but they will impose fees for overdrafts and outgoing wires. There are no monthly maintenance fees tied to the checking account, and their APY, starting at 0.10% (it goes up with a higher balance amount ), currently leads the pack in terms of interest-bearing checking accounts.

Capital One 360 Checking account

The same bank that delivers an impressive credit card portfolio also offers the convenient Capital One 360 Checking account. There are no fees on any withdrawal outside the Capital One network, even if the network or issuer, like Mastercard, charges a fee. MasterCard will charge you a 1% fee, but that is "covered" by Capital One, so you shouldn't find it on your statement. There's also no opening balance requirement. Just don't expect easy access to a physical branch if you need one. Luckily, Capital One has strong customer service support that's only a quick call away.

First Republic Bank's ATM Rebate Checking account

A checking account with the words "ATM Rebate" in its name has to make our list of top checking accounts for avoiding foreign ATM fees. First Republic Bank offers free use of more than 800,000 ATMs worldwide with no foreign exchange fees and even earns interest on balances above $3,500. ATM withdrawal fees are refunded from other banks worldwide, and international card usage fees are waived. You must have a minimum opening balance of $500 and a minimum average balance of $3,500 to avoid monthly fees.

Betterment Checking account

Betterment, the financial advisory company well known for its robo-advising and cash management services, offers a compelling checking account product. Because they don't have an ATM network, you'll likely be charged a fee for an ATM withdrawal. When this occurs, Betterment will refund all of your ATM fees back to you. They'll even notify you once the ATM fee refund has gone through, and you should see the credit in your account within a few days.

What makes this underrated checking account even more potent is that no initial deposit is required to open an account. No required minimum balance is needed to keep the account fee-free. There are zero monthly service fees. For added security, Betterment Checking and its Visa debit cards are provided by NBKC Bank and your account is FDIC insured for up to $250,000.

PNC Virtual Wallet Checking account

As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country. Though when you leave the U.S. on a trip, PNC will only reimburse your first two in-network ATM withdrawal fees per statement cycle and up to $5 in fee reimbursements per statement period for other financial institution's ATM surcharges on the basic Virtual Wallet Checking account. If you are a Virtual Performance Select customer, PNC's top-tier checking account, you won't be charged fees related to other banks' ATMs, and you're eligible for up to $20 fee reimbursement per statement period for other financial institutions ATM surcharge fees. However, keep in mind that PNC does charge 3% of the transaction amount, so you may be better off with one of the other checking accounts on our list.

Bottom line

A debit card that reimburses you for international ATM withdrawals should be part of your travel toolbox. The last thing you want to do when you're traveling is to have to track down down an in-network ATM to avoid exorbitant withdrawal fees. With the right travel-friendly checking account, a few out-of-network ATM withdrawals per month could result in substantial savings at the end of the year.

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Check your account: pnc working to resolve duplicate debit transactions.

Some PNC customers noticed duplicated charges on their accounts and wanted answers.

Allysa Raymond with our sister station at WPXI tracked down why.

Numerous PNC customers took to social media to share their frustrations.

One person said PNC charged her “three times for the same charge” and her debit card is getting declined now.

Another woman said the multiple charges are overdrawing her account.

PNC said impacted customers do not need to contact the bank or take other actions.

>> Another discount store to close its doors, leaving neighbors scrambling for affordable options

In a statement, PNC said, “Due to a processing error, some customers may have seen duplicate debit transactions to their accounts beginning (Monday).”

PNC also said any errors related to this incident, including overdraft fees, will be resolved.

“We are checking them thoroughly several times a day. It would definitely be something that we’d pick up on but there are people out there that I’m sure it would snowball effect in their account,” Samantha Willis, a PNC customer said.

Customers want to know why these glitches are happening in the first place.

“Is it something with the actual computers? I don’t know but I would want someone to advocate and look into it. Why it keeps happening and everything,” Willis said.

WPXI asked PNC how many people are dealing with the glitch and if it is system-wide.

PNC told WPXI that due to company police, the bank could not give that information.

Federal agencies are reviewing fairness of airline & credit card reward programs

Booking flights with airline points is a popular way to save some cash, especially for avid travelers such as Cameron Greene.

>> PNC working to resolve duplicate debit transactions

“I’ve been a Delta medallion flyer since I was, honestly since I was eight years old,” she said. Greene is a travel agent and influencer and so far, she’s been to 76 countries. She relies on reward programs with Delta, United and American Airlines.

But she said recently, there’s been a shift.

“The airline programs have actually gotten worse,” said Greene. “Where they’re not recognizing their most loyal customers and honoring their business customers.”

Because of passenger complaints, the Department of Transportation and the U.S. Consumer Financial Protection Bureau are now examining the fairness and transparency of these reward programs.

“We want to make sure that every family is getting what’s promised and that we really have a fair transparent and competitive market,” said Rohit Chopra, U.S. Consumer Financial Protection Bureau director.

“How we can make sure companies are being straightforward about what people will get from these frequent flyer miles or loyalty programs when they sign up, and whether people are actually getting the deal they were promised,” said Secretary Pete Buttigieg, Department of Transportation

Officials say many reward credit cards have higher annual fees and companies often charge you higher interest rates on reward cards, too.

Smaller credit unions say they offer much lower rates but limited rewards because it’s tough to compete.

“The larger institutions can do things much cheaper, more effectively and advertising budget if you watch TV you see a credit card commercial,” said Andrew Grimm, president and CEO, Apple Federal Credit Union.

But Airlines for America, which represents major U.S. carriers, argues there is competition.

>> Justin, Hailey Bieber announce they are expecting their first child

“Airline loyalty programs are widely popular, voluntary programs that consumers value because they accumulate rewards toward travel when they make everyday purchases. There is fierce competition within the industry for both customer and credit card loyalty, and consumers have the power of choice when picking a carrier for air travel or a credit card for spending, with a wide range of options, to pick what best fits their needs,” an Airlines for America spokesperson said in a written statement.

In a recent survey, the organization found nearly one out of every four U.S. households has an airline credit card.

Some airlines are also trying to make their points systems easier to understand.

“We wanted to make it clear that if i show you that you Mr. [Transportation] Secretary have 15,000 points that equals $150 you will see that on all of our communications,” said Scott DeAngelo, executive vice president at Allegiant Air.

As for travelers like Greene, she believes customers should be rewarded for the miles they fly each year.

“Like I flew more miles than you I should be rewarded for my amount of miles that I flew for that year,” she said. “That’s telling you who is flying long distances, that is telling you who is really loyal in those situations.

How to Set a Travel Notice for Your Credit Cards

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

When I worked at a ski rental shop in Breckenridge, Colorado, I witnessed many international (and some out-of-state) customers’ credit cards get declined.

Not because their credit limits were too low or because they were purchasing too much — but because they failed to set up travel notifications with their card issuers.

So now, any time I travel to a foreign country, I always set up a travel notice on my credit card beforehand.

Since I travel with the Chase Sapphire Reserve® (Review), I create a Chase travel notice, but you can take this step with most major credit or debit cards. Here’s how.

What Is a Credit Card Travel Notice?

As a way to prevent fraud , your credit card issuer monitors your spending activity. If it notices a suspicious purchase — in an unusually large amount, or from a new location — it may decline the transaction. This could be more likely in countries where fraud is a bigger problem.

Which is why the answer to the question “Should I notify my credit card company when traveling?” is usually yes.

Although you can often get away with shopping in another state without triggering a red flag, international travel is another story. 

By notifying your credit card of your travel plans, you’ll reduce the chances of getting your transaction declined in the checkout line — which, trust me, is never fun — and having to call your card issuer to verify your purchases. It’s still possible to have your purchases declined after setting a travel notice, but it’s much less likely.

How to Set Up Travel Notices for 8 Major Credit Card Issuers

Ready to create your first travel alert? While you could call your card issuer, it’s easier to do it online.

Here’s how to set up travel notices with eight different credit card issuers.

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Chase travel notice

Because of the company’s abundant travel perks and partnership with the Visa network — which is widely accepted worldwide — Chase cards are a favorite among globetrotters.

You can create Chase travel notifications up to a year in advance for credit cards, and up to 14 days for debit cards. Your travel dates can span an entire year — if you’re away for longer, you’ll simply have to adjust your dates once you’re on the road. Chase will have your request on file within 24 hours from the time you submit.

To set up Chase travel notifications, you’ll need to log in to your account and click on the credit card you plan to use. Under the “Things you can do” dropdown menu on the right, you’ll see the “Travel notification” option. That will take you to your “Profile & Settings” page, where you’ll be able to create a travel alert.

Insider tip

Depending on the type of Chase account you have, the process may be slightly different for you. In any case, just look for your “Profile & Settings” page, and then look for a button to set a travel notice.

Alternatively, if you’re already outside the country, you can call Chase collect at 1-302-594-8200 to alert the issuer of your travel plans.

Setting up a travel notice with the Chase bank app

After logging in to the Chase mobile app, tap the profile icon (this should appear as the outline of a person) and select “My settings.” Choose “Travel” within the settings menu and tap “Update” near any credit or debit card products you’ll be taking.

This will allow you to enter the details for your upcoming trip, which can be edited at a later time. Saving this information will successfully set up a travel notice.

Our favorite Chase travel card: While many Chase credit cards are adventure-ready, we’d recommend the Chase Sapphire Preferred® Card for new travelers. Not only does it earn 2X Chase Ultimate Rewards points per dollar on travel, but you’ll also get a great introductory bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months. You’ll also earn 5X Ultimate Rewards points per dollar on Lyft rides and travel purchased through Chase Ultimate Rewards. You can transfer the points you earn to a variety of airline and hotel loyalty programs. The Sapphire Preferred has a $95 annual fee.

American Express travel notice

Surprise! You actually can’t create an Amex travel notice.

On its site, the issuer says it uses “industry-leading fraud detection capabilities” that help it recognize when you’re on the road, thereby eliminating the need to create an American Express travel notification.

The issuer does recommend you update your contact information, so it can reach you in case of any complications, and download the Amex app, so you can manage your account on the go.

Note that Amex credit cards aren’t as widely accepted across the globe. If you’re a frequent international traveler, we’d recommend looking for a card with a Visa or Mastercard logo instead because they’re accepted by most merchants.

Our favorite American Express travel card: For its $695 Rates & Fees annual fee, The Platinum Card® from American Express offers a slew of travel perks. They include extensive airport lounge access; 5X Membership Rewards points per dollar on eligible flights and hotels (starting 1/1/21, on up to $500,000 spent per calendar year); and up to $200 in Uber credits per year. Its introductory bonus is Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu..

Capital One travel notice

As with Amex, there’s no need to set a travel notice for Capital One credit cards.

If you log in and click “Set Travel Notification,” you’ll be greeted by this window:

The issuer, long popular with international travelers for its lack of foreign transaction fees, says: “With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card.”

It notes Capital One will cover you with its $0 fraud liability policy, and will also be on the lookout for any suspicious activity.

Our favorite Capital One travel card: The Capital One Venture Rewards Credit Card is a fantastic, easy-to-use travel rewards card, offering 2X Venture miles per dollar on everything. The introductory bonus is 60,000 bonus miles for spending $3,000 in the first 3 months. It comes with a $95 annual fee.

Bank of America travel notice

Ready to travel with your Bank of America card? Log in to your account, and in the menu at the top right, you’ll see “Help & Support.”

Hover over those words, and a drop-down menu will appear. Click on “Set Travel Notice” — and voila! You’ll be able to add your travel dates and destinations, as well as extra details about your trip, like any planned layovers.

Setting a travel notice with Bank of America.

Bank of America cards allow you to set travel notices up to 60 days in advance, and they can last for up to 90 days. If you’ll be traveling longer than that you’ll need to adjust your travel notice later on.

Our favorite Bank of America travel credit card: If you don’t want to pay an annual fee, the Bank of America® Travel Rewards Credit Card might work for you. You’ll earn 3X points per dollar at the Bank of America travel center and 1.5X points on everything else. After you make $1,000 in purchases in the first 90 days, you’ll earn 25,000 points — enough for a $250 statement credit toward travel purchases.

Citi travel notice

If you have a Citi credit card, the first step is to log in to your account.

Then you should hover over the “Services” button in the menu, and then select “Travel Services.” Next you can select “Manage Travel Notices,” before selecting the card for which you want to set a notice. Unlike some other issuers, you’ll need to set a separate notice for each card you plan to travel with.

Citi advises making sure your contact information is up to date before traveling, and also to download the Citi Mobile App to more easily monitor your account.

Here’s what setting a Citi travel notice looks like:

Setting a travel notice with Citi.

Then, once you fill out your destination and dates and verify your info, you’ll be good to go!

Our favorite Citi travel credit card: The offers a generous 3X ThankYou points per dollar on air travel and at gas stations, restaurants, supermarkets, and hotels. You can earn None. There’s a None annual fee to pay for this card.

Discover travel notice

Although Discover credit cards aren’t the best for traveling internationally, as they aren’t accepted as widely as Visa or Mastercard, you should still set up a travel notice if you bring your Discover card overseas.

You can do this from your online account by selecting “Manage” at the top of your screen, then clicking “Manage Cards” and then “Register Travel.”

Setting a travel notice with Discover.

Our favorite Discover travel card: For a card with no annual fee, the Discover it® Miles isn’t a bad choice. You’ll get 1.5X miles per dollar spent on everything, with double your miles at the end of your first cardholder year.

PNC travel notice

If you have a PNC credit or debit card, the bank recommends you set up a travel notice, explaining: “You typically use your card at local merchants and online, but suddenly you’re buying tapas in Madrid or sushi in Tokyo. This unexpected activity is what triggers the alert. Although less likely, this kind of predicament also can happen when traveling domestically.”

To notify PNC, you can either call the financial institution at 1-888-PNC-BANK or set up an alert online. After logging in to your account, you’ll select: “Customer Service” –> “Account Services” –> “Debit/ATM Card Services” –> “Edit/View Preferences.”

Then, in the bottom right corner of your screen, you’ll see an option to “Notify PNC of Foreign Travel.” After filling it out with your dates, destinations, and phone number, you’ll be ready to go.

Recommended PNC travel credit card: Like the BofA card, the PNC Premier Traveler® Visa Signature® isn’t the best option out there — but it’s fine for PNC loyalists. It offers a 30,000-mile introductory bonus when you spend $3,000 in the first three billing cycles, and 2X miles per dollar spent on everything. Its $85 annual fee is waived the first year.

Wells Fargo travel notice

If you’d like to tell Wells Fargo of your travel plans, you can either call the number on the back of your card, use the bank’s mobile app, or log in to your online account.

If you choose the latter method, you’ll hover over the “Accounts” dropdown menu, then click on “Manage Cards” –> “Manage Travel Plans.” As with the other issuers, you’ll enter your dates and destinations before submitting.

Recommended Wells Fargo travel credit card:  There aren’t any Wells Fargo travel cards at the moment.

If you’d prefer a Visa card from Wells Fargo for traveling, consider the Wells Fargo Active Cash℠ Card . It offers 2% cash back on everything you buy, with a solid introductory bonus, but it also has a foreign transaction fee.

4 Things to Consider When Choosing a Travel Credit Card

If you’re looking for another piece of plastic to add to your wallet, here are four things to consider when choosing the best travel rewards credit card:

• Foreign transaction fees:  Some credit cards charge a 3% fee for making purchases in a foreign currency. If you plan to travel abroad, make sure your chosen card has no foreign transaction fees.
• Annual fees:  Many of the top-tier travel rewards credit cards have hefty annual fees. But before getting scared off, see if the card offers any credits or benifits that offset it. For example, while the Chase Sapphire Reserve® has a $550 annual fee, it also offers a $300 annual travel credit that applies toward flights, car rentals, and even Lyft rides.
• Rewards and perks:  One of the most compelling reasons to get a travel credit card is the opportunity to earn points and miles that you can exchange for free travel. So take a look at your potential card’s introductory bonus and earning ability. You should also read the fine print to learn all about its travel perks, which might include airport lounge access or travel insurance.
• Loyalty programs: The majority of hotel chains and airlines have co-branded cards that earn additional rewards when you spend money with them. So if you are loyal to a particular brand, it’s wise to consider the co-branded options. For hotel cards, examples include the IHG® Rewards Club Premier Credit Card, Marriott Bonvoy Boundless™ Credit Card, and The World of Hyatt Credit Card. For airline cards, you can choose from options like the United℠ Explorer Card or Southwest Rapid Rewards® Plus Credit Card.

Whichever card you choose, be sure to set a travel notice before you board your next train or cruise or flight — and then enjoy your vacation free of worries!

You don’t have to stick to “travel credit cards” just because you want to, you know, travel with your credit card. As long as you set up a travel notification when you go, you can use any card you’d like. So, in case they’re a better fit, here are links to the best cash back, balance transfer, and 0% intro APR credit cards.

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PNC Premier Traveler Visa Signature credit card review

Written by: Kelli Pate

• Balance Transfer

In a Nutshell:

With its high annual fee and relatively short 12-month introductory period, the PNC Premier Traveler card is not your best option for transferring a balance. However, if you manage to pay down your balance in the first year before the fees and interest rates kick in, you’ll have a very good travel rewards card.

Other Notable Features:  No foreign transaction fees, free concierge service, Visa Signature luxury hotel collection, lost luggage reimbursement, travel and emergency assistance services, travel accident insurance, trip delay reimbursement, auto rental collision damage waiver, roadside dispatch, extended warranty, Apple and Android pay, $0 liability, EMV chip technology

A flat 2 percent rate on travel rewards and flexible redemption options make the PNC Premier Traveler Visa Signature card another good option for netting a large number of rewards points for airfare.

The PNC Premier Traveler Visa Signature credit card is probably more appropriate for casual rewards card users, especially if you want to avoid blackout dates or the often-complicated process of trying to find the best value for your points via relationship bonuses or transfer programs.

You’re also not beholden to traveling on certain airlines or booking flights on specific websites. A lack of top-tier travel benefits beyond the industry standard might make seasoned travelers look for a more luxury travel card, but if you’re just starting out in the credit card rewards game, this one is definitely worthy of consideration.

Solid rewards

With two miles per $1 spent everywhere you use the card, the PNC Premier Traveler Visa Signature card has one of the best flat-rate rewards in its category. By comparison, most travel cards offer 1:1 rewards on general purchases.

Annual fee kicks in after first year

Like many travel rewards cards, the PNC Premier Traveler Visa Signature card’s annual fee is waived for the first year. After that, the fee is $85, which is right in line with most competing cards. Provided you pay your monthly balances in full to avoid accruing interest charges, the miles you’ll earn with this card should easily outweigh the $85 charge.

Decent sign-up bonus

The PNC Premier Traveler is currently offering a decent sign-up bonus of 30,000 points for cardholders who spend at least $3,000 in the first three billing cycles. When your redeem those points for travel, they are worth around $300. This is a pretty good bonus, but not the highest you can find on a travel card with an annual fee.

Book travel your way

The card offers pretty flexible redemption options, at least when you use them for travel: Miles don’t expire, there are no limits to the number of miles you can earn and there are no blackout dates. Plus, you’re not limited to booking travel through the PNC Rewards Center — because PNC provides statement credits for any travel purchases you make on outside websites, you can fly any airline you want.

However, there are a couple of downsides. Cardholders aren’t allowed to transfer miles to airlines’ frequent flyer programs, an option that can sometimes increase the value of your points. You’ll also need a minimum of 5,000 miles to redeem for travel. And while you do have the ability to redeem PNC Premier Traveler points for gift cards or cash back, you should definitely avoid the latter, as doing so cuts the value of your points in half.

Good perks, with some omissions

In addition to no foreign transaction fees — perfect for when those free flights take you outside of the U.S. — the PNC Premier Traveler Visa Signature card comes with a slew of other travel benefits, including free concierge service, lost luggage and trip delay reimbursement, travel accident insurance and access to the Visa Signature luxury hotel collection.

That said, the card does lack some of the swankier perks of other travel cards , such as Delta SkyMiles® Gold American Express Card , which offers a free checked bag and priority seating on Delta flights, the Southwest Rapid Rewards® Plus Credit Card ‘s annual companion pass (after earning 135,000 qualifying points or taking 100 qualifying one-way flights in a calendar year) and the Citi®/ AAdvantage® Executive World Elite™ Mastercard® ‘s admission to the American Airline’s Admirals Club lounges.

Why get the PNC Premier Traveler card?

• You want to earn travel rewards with few restrictions on redemption, including limits on eligible airlines or hotel chains.
• You’re looking for a card you can use while traveling abroad without incurring foreign transaction fees.
• You want to use the 0 percent introductory APR on balance transfers to consolidate high-interest debt from other cards.  

How to use the PNC Premier Traveler card:

• Use it as your primary credit card — at least for the first year — to earn maximum miles before the annual fee kicks in.
• Avoid redeeming miles earned for cash back to avoid cutting their value in half.
• Transfer any high-interest credit card debt to the card (within the first 90 days) and pay it off within 12 billing cycles at 0 percent APR.
• Use the card when traveling overseas to take advantage of no foreign transaction fees.

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Credit Cards > Reviews

PNC Visa Business card review 2024: Rare intro balance transfer offer

Emily Sherman

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 10:58 a.m. UTC May 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The PNC Visa® Business Credit Card * The information for the PNC Visa® Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of the few business cards with an intro balance transfer offer. This, combined with a potentially low ongoing APR, make the card a great choice for small business owners who need to pay down debt. However, its lack of rewards limit its value after the introductory period. Check out our full PNC Visa Business Card review to learn more. 

PNC Visa Business card basics

• Annual fee: $0.
• Welcome bonus: None.
• Rewards: None.
• APR: 0% intro APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR of 15.24% to 25.24% applies on both purchases and balance transfers. There's a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater.
• Recommended credit score: Good to excellent.
• Does the card offer preapproval? No.
• Other benefits: Individual spending limits on employee cards, cash flow insight by purchase category and purchase protection.

PNC Visa Business card review

The PNC Visa Business Credit Card has a 0% intro APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR of 15.24% to 25.24% applies on both purchases and balance transfers. There's a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. This is one of the most competitive introductory APR offers on the market. Plus, the ongoing APR is on the lower side for a business card, so the most creditworthy applicants can still score a good rate after the intro period ends. 

While the PNC Visa can be a great way to pay down debt in the first year, its ongoing value is less competitive. That’s because the card doesn’t come with any sort of rewards program or intro bonus. 

As far as benefits go, it has some standard business perks — like spend tracking and the ability to set individual limits on employee cards — but nothing that stands apart from other business cards available. 

That said, the PNC Visa Business card doesn’t charge an annual fee, so just signing up for the introductory offer can be worth it for the right user. If you qualify for the lowest APR, its ongoing rate is competitive for business owners who expect to need to carry a balance, as well. 

• Long intro APR on balance transfers: Few business cards offer an intro APR on balance transfers.
• Potentially low ongoing APR: For the most creditworthy applicants, the ongoing interest rate on the PNC Business card is below average — saving money if you need to carry a balance.
• Set individual limits on employee cards: The PNC Business Visa makes it easy to manage employee spending with business owner-friendly perks like individual limits on employee cards.
• No rewards program: This card does not earn any kind of points or cash back.
• Restrictive terms on balance transfer offer: If you want to take advantage of the card’s introductory offer on balance transfers, you’ll need to process the transfer in the first 90 days.
• Wide range of potential APRs: While the lowest possible interest rate is competitive on this card, less creditworthy applicants could still get stuck with a high APR.

PNC Business Visa Credit Card APR

The primary perk on the PNC Business card is a long intro APR of 0% intro APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR of 15.24% to 25.24% applies on both purchases and balance transfers. There's a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. This is a rare benefit on a business card. 

To qualify for the introductory rate, you’ll need to make your transfer in the first 90 days and pay a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. Still, since a balance transfer offer is difficult to find on a small business credit card, the PNC Business Visa is a good choice for business owners carrying debt and hoping to pay it down while saving interest. 

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Ink Business Unlimited® Credit Card

Welcome bonus.

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• No annual fee.
• Introductory purchase APR period.
• Generous welcome bonus.
• High balance transfer fee.
• Charges foreign transaction fees.
• Few additional benefits.

Card details

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

How the PNC Visa Business card compares to other business credit cards 

If you are in the market for a business credit card and want an introductory APR, there are several cards that include the perk. Most come with an intro period of about a year on purchases, and balance transfers are not typically eligible for the reduced rate — with a few exceptions.

PNC Visa Business card vs. U.S. Bank Triple Cash Rewards Visa® Business Card * The information for the U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

U.S. Bank also offers balance transfer offers on business credit cards, and it’s more competitive than the PNC Business card’s offering. Better, the U.S. Bank Triple Cash Rewards Visa Business offers a longer introductory period and doesn’t sacrifice rewards as a result. 

With the U.S. Bank Triple Cash Business card, cardholders get a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a variable APR of 19.24% to 28.24% (balance transfers must be completed within 30 days to qualify for the intro rate). A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.

The longer offer makes it more competitive than the PNC Visa for paying off debt, but it does have a higher range of ongoing APRs, so business owners who predict carrying a balance could still make out ahead on the PNC card.

U.S. Bank Triple Cash Rewards Visa Business Card also earns cash back on purchases. You can earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.

PNC Visa Business card vs. Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card from Chase is a better alternative to the PNC Visa Business if you’re looking for both rewards and an intro APR on purchases, rather than a balance transfer offer. It comes with a 0% intro APR for 12 months on purchases, then a 18.49% to 24.49% variable APR applies to purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. But it also earns 1.5% cash back on purchases and offers a welcome bonus of $750 cash back after spending $6,000 on purchases in the first three months of account opening.

PNC Visa Business card vs. Wells Fargo Reflect® Card * The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you’re comfortable using a consumer card for your small business needs, the Wells Fargo Reflect offers one of the longest introductory APR periods you’ll find of 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum.

The cons of choosing a consumer card for your balance transfer include sacrificing business-specific perks, like employee cards with individual limits and spend tracking. You also won’t build business credit.

PNC Visa Business card is right for you if:

• You are carrying a large balance and want time to pay it down without accruing interest.
• You regularly carry a balance on your business card, and need a product with a low ongoing APR. 
• A low APR is more important to you than earning rewards. 

Should you get the PNC Visa Business card?

Due to the long introductory offer, you should consider the PNC Visa Business card if you are carrying a large balance on another credit card and want time to pay it down without accruing interest. 

This card also has a low ongoing APR, so if you regularly carry a balance on your credit card, this card may be a good choice. 

Frequently asked questions (FAQs)

The PNC Business Visa requires a good to excellent credit score , which is typically a FICO Score above 670. Keep in mind that even though it is a business credit card, your personal credit will likely be pulled to qualify.

PNC does not disclose which credit bureau it pulls from to evaluate card applications.

Your credit limit on the PNC Business Visa will be determined by creditworthiness. While the default setting is for all cardholders to have access to the card’s full credit line, the primary cardholder has the option to set individual spend limits for employee cards.

PNC does not disclose regular evaluations for a credit line increase, though you may be able to request a higher credit limit after demonstrating you can make on-time payments. 

It depends on your business needs. The PNC Business Visa offers a competitive intro APR and ongoing interest rate, so it is a good card for small businesses who use it to manage cash flow. But its lack of rewards program makes it a poor fit for those trying to rack up points. 

*The information for the PNC Visa® Business Credit Card, U.S. Bank Triple Cash Rewards Visa® Business Card and Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Emily Sherman is a freelance writer specializing in personal finance, especially credit cards and maximizing rewards. She has written for publications including Bankrate, U.S. News & World Report and Stacker. Emily spends her free time planning her next vacation using points and miles.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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