PNC Cash Rewards® Visa® Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 18.99% to 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The PNC Cash Rewards® Visa® Credit Card is for cash back enthusiasts, earning them money on every purchase with no enrollment or rotating categories.
Our review of the PNC Cash Rewards® Visa® Credit Card
If you’re looking for a credit card that rewards you for everyday purchases, the PNC Cash Rewards® Visa® Credit Card is a great option. With this card, you can earn up to 4% cash back on gas station purchases, 3% on dining at restaurants, 2% at grocery stores, and 1% on everything else.
One of the key features of this card is the $8,000 cap on cash back earned in the 2% to 4% categories each year. Once you hit this limit, you’ll still earn 1% on all your purchases. This makes the card ideal for those who drive frequently or dine out often.
Additionally, the PNC Cash Rewards® Visa® Credit Card offers a 0% Intro APR on balance transfers for the first 12 billing cycles. This can help you save money if you have high APR balances on other cards.
Overall, the PNC Cash Rewards® Visa® Credit Card is a solid choice for those who spend moderately in the enhanced categories. With no annual fee and great cash back rewards, it’s definitely worth considering.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Get a $100 bonus after you make at least $1,000 in purchases during the first 3 months from account opening
- Earn 4% cash back on gas station purchases, 3% on purchases at restaurants, 2% on grocery story purchases, and 1% on all other purchases
- Cash back never expires as long as your account is open
- 0% APR on balance transfers for 12 months
Who this card may suit
- You frequently make purchases at gas stations, restaurants, and grocery stores
- You want a credit card with no annual fee
- You have other credit card balances at higher interest rates that you can transfer to save money
- You want a credit card for which you can earn cash back daily on every purchase
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 18.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 90 days of account opening date |
| Balance Transfer APR | 18.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Penalty APR | 33.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $38 |
| Return Payment Penalty Fee | Up to $38 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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PNC Cash Rewards® Visa® Credit Card
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