
Rating: 5 Stars
Bottom Line:
Gas Station, Restaurant, and Groceries Cash Back
TABLE OF CONTENTS
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 |
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.
Credit Cards Research:
Best Credit Cards for 2021
These are the best credit cards for 2021.
Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.
Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.