Premier Traveler Visa Signature Credit Card Agreement and Pricing Info Addendum

Premier Traveler Visa Signature Credit Card Agreement and Pricing Info Addendum, as filed by PNC Bank, carries no annual fee and a 12.74% penalty rate.

On the face of the filing

The document behind this page is PNC Bank's filed agreement for Premier Traveler Visa Signature Credit Card Agreement and Pricing Info Addendum. It is issued on the Visa network and the filing runs 14 pages.

The filing is explicit about a penalty rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

What a missed payment costs

A penalty APR of 12.74% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 3rd percentile.

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

The no-interest path

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

The $1.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What the filing does not tell you

Absent from the captured terms: a purchase rate, anything about cash advances and balance transfer terms. The original document is the place to look for any of these.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

How it sits in the issuer's own range

This is one of 20 PNC Bank agreements collected here.

On fees, 12 of the 19 sibling filings that disclose an annual fee also set it at zero — this one is among them.

Go to the source

The filed PDF is linked from this page and runs 14 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.