It’s possible to lower your interest rate on the PNC Spend Wise card by 2 percentage points every 12 months, but a true 0% APR credit card will likely save you more money.

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This no-annual-fee card is ideal for renters looking to earn back some value on a major monthly expense. To snag significant rewards, though, you must commit to using the card for more than just rent.

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Purchase APR Reduction Program: Cardholders can earn a 2-percentage point reduction to their purchase APR when they pay on ...