Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
P. C. Richard & Son Credit Card Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of PC Richards credit card
| The Good | The Bad |
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PC Richards credit card FAQ
Does PC Richards credit card have a cash back or rewards program?
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for PC Richards credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does PC Richards credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. P. C. Richard & Son Credit Card does not offer balance transfers.Does PC Richards credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for PC Richards credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for PC Richards credit card?
What is the support contact email for PC Richards credit card?
How do people rate the customer service and user experience of PC Richards credit card?
Does P. C. Richard & Son Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Synchrony Bank perform a hard credit pull?
How to apply for PC Richards credit card
- Visit the website of PC Richards credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
N/A
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
P. C. Richard & Son Credit Card Community Reviews
Would you recommend P. C. Richard & Son Credit Card to your friends?
Sean L.
Dec 23, 2020
May or may not recommend
Carlos M.
Nov 25, 2020
May or may not recommend
Anonymous
Aug 30, 2020
May or may not recommend
Ms H.
May 30, 2020
May or may not recommend
Showing 4 of 4 reviews
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