PNC Bank review

The debit account carries a monthly fee of $7, where most brands sit at €0. The account is a debit card on the Visa network. Chime Card (Secured Visa Credit Card) lists $0 as its monthly fee.

The credit card has an annual fee of $0, and the model is listed as no annual fee. Its rewards come as cashback at 4% gas, 3% dining, 2% groceries, 1% other, weighted to gas, dining and groceries, so the card pays back rather than charging for keeping it.

The APR is 18.99% to 28.99%, which sits above the site median of 20.97% for this kind of card. Clearing the balance in full each month keeps that rate out of the picture, otherwise the rate applies to what you carry.

The balance transfer runs an intro period of 12 with a transfer fee of 3%. Once the intro period ends, a remaining balance would be charged at the card's APR of 18.99% to 28.99%, so the saving depends on clearing the balance in time.

Currency conversion runs at 3%, against a site median of 1% and an upper quartile of 2.5%. That sits in the costlier part of the field, so frequent foreign spending is the weakest point of this card.

The account is held by PNC Bank, National Association, which is headquartered in the US and holds an FDIC licence, FDIC cert 6384. The bank rather than an outside partner is the entity behind both the debit account and the credit card.

Rewards are cashback at 4% gas, 3% dining, 2% groceries, 1% other, so the biggest categories are gas, dining and groceries. The rewards type is cashback, and rewards are the listed feature, which suits spending concentrated in those everyday categories.

The debit card is a debit card running on the visa network. The credit card from the same bank is a credit card, so both products sit under one PNC Bank, National Association rather than separate providers.