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PNC Cash Rewards® Visa® Credit Card

PNC Cash Rewards® Visa® Credit Card

Earn a $100 Bonus

PNC Cash Rewards® Visa® Credit Card
  • Regular Purchase APR 12.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 12.99% to 22.99% 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
  • Balance Transfer APR: 12.99% to 22.99% 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: 22.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 28.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ – Offer Expires on April 15, 2021 – See Details
  • Stay 3, Pay 2 – Offer Expires on April 30, 2021 – See Details
  • Stay 3, Pay 2 – Offer Expires on December 22, 2021 – See Details
  • Save 10% on Select Regularly Priced Jewelry – Offer Expires on February 03, 2022 – See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels – Offer Expires on March 31, 2022 – See Details
  • Every 4th Night Free + Premium Benefits in Brooklyn – Offer Expires on February 28, 2021 – See Details
  • Every 4th Night Free + Premium Benefits in New York – Offer Expires on February 28, 2021 – See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood – Offer Expires on February 28, 2021 – See Details
  • Save $25 in the US with 1-800-GOT-JUNK? – Offer Expires on December 31, 2021 – See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 – Offer Expires on December 31, 2021 – See Details
  • View All Deals

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.

Ideal for Those Who:

  • Frequently make purchases at gas stations, restaurants, and grocery stores
  • Want a credit card with no annual fee
  • Have other credit card balances at higher interest rates that you can transfer to save money
  • Want a credit card for which you can earn cash back daily on every purchase

PNC Cash Rewards® Visa® Credit Card Review

With the PNC Cash Rewards® Visa® Credit Card, you can earn up to 4% cash back on everyday purchases. The breakdown is as follows: 4% on gas station purchases, 3% on dining at restaurants, 2% when you shop at grocery stores, and 1% on everything else. However, for the categories in which you earn 2%-4%, your cash back is capped at $8,000 in combined purchases each year that you’re a card member (not calendar year). In other words, after you have spent $8,000 in the above categories, you will only earn 1% on all your purchases.

The card clearly works most in your favor if you do a lot of driving or have a gas-thirsty vehicle, or if you dine out frequently. In reality, though, this card works well as a daily form of payment since you can earn on practically anything you buy. And even if you reach the $8,000 cap for the year ahead of time, you’ll still keep on earning cash back (just at a lower rate). When you’re ready to redeem – you must have at least $25 in your Cash Rewards account – you can do so for statement credits or as deposits into a PNC account.

Another reason to consider the PNC Cash Rewards® Visa® Credit Card is for its introductory APR offer on balance transfers. When you open your account you’ll have 12 months at 0% interest, so if you have balances with other credit cards at high APRs, you’ll be saving money by migrating them over to PNC.

Should You Apply for the PNC Cash Rewards® Visa® Credit Card?

The PNC Cash Rewards Visa is a solid cash back card for those who don’t plan to use their card to make more than $650 in enhanced categories every month. The cards earns 4% cash back on gas station purchases, 3% on purchases at restaurants, 2% on grocery store purchases, and 1% on all other purchases. Those 2% to 4% categories, however, are limited to just $8,000 per year, meaning it offers exceptional value – in moderation. Fortunately, for those whos spend accordingly, the rewards on offer are exceptional, as is the 0% intro APR on balance transfers for the first 12 months, and no annual fee.

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