Card Details

Regular APR:	14.74 – 24.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles on transfers in first 90 days
Rewards Rate:	Earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually Earn at least 1% cash back on purchases everywhere, every time
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening
Earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually
1% cash back on all other purchases
0% APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening
In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device

Is PNC Cash Rewards Visa worth it?

PNC Cash Rewards Visa is a great card for people who spend a lot at gas stations, eating out, and grocery stores. Cardholders earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually.

For most people, PNC Cash Rewards Visa will not be their everyday spend card, because the maximum is only $8000 for the year. However, PNC Cash Rewards Visa is one of the best cards available for cash back rewards at gas stations, earning 4%. Comparing only flat-rate cards with cash back at gas station, PNC Cash Rewards Visa compares favorably with Blue Cash Preferred Card from American Express and Blue Cash Everyday from American Express, which earn 3% at U.S. gas stations and also have no annual fee. PNC Cash Rewards Visa also has a fair signup bonus of $100 in statement credit after you have made $1,000 in purchases during the first 3 billing cycles following account opening.

Pros

Get a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening
Earn 4% on gas station purchases (in-store and at the pump), 3% on dining purchases at restaurants, including fast food, and 2% cash back on grocery store purchases, for the first $8,000 in combined purchases in these categories annually
0% APR on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening

Cons

$25 minimum cash back redemption

Why 5 Stars?

Regular APR

5 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	30.74%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with PNC Cash Rewards Visa

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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