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You are here: Home / Credit Cards / PNC Cash Rewards® Visa® Credit Card

PNC Cash Rewards® Visa® Credit Card

August 16, 2022 by Matthew Chaffin

The PNC Cash Rewards® Visa® Credit Card is a cash back card designed for people who spend, but not too much, as you are limited to an $8,000 annual cap on gas, dining, and grocery stores combined. After you meet the cap, you’ll earn 1% cash back on all purchases. The card also comes with a welcome bonus. We dive into the details and your approval odds in this PNC Rewards review.

PNC Cash Rewards® Visa® Credit Card
Our Rating
4.6/5.0
Welcome Offer
$200
Annual Fee
$0
0% on Purchases
None
Rewards Rate
1% - 4%
0% on Balance Transfers
12 Months

Rewards

4% cash back
Gas
Earn 4% cash back on gas station purchases.
3% cash back
Dining
3% cash back on dining purchases at restaurants, including fast food.
2% cash back
U.S. supermarkets
2% cash back on grocery store purchases.
1% cash back
On all other purchases
1% cash back on all other purchases.

Signup Bonus

Earn a $200 bonus after spending $1,000 within your first 3 billing cycles.

Pros & Cons

Pros
  • Welcome bonus
  • No annual fee
  • Up to 4% cash back
Cons
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits
Travel PerksNone

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each foreign transaction in U.S. dollars.
Regular APR15.49% to 26.49% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 12 months on balance transfers, then 15.49% to 26.49%(V) APR after that.

What Credit Score Is Required to Get the PNC Rewards?

Based on data we’ve collected from public forums, a credit score of 690 or higher is ideal. We have seen an approval with a score as low as 651, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/21/2020
767
Experian
$9,500
Approved10/04/2019
651
Equifax
$6,600
Approved10/04/2019
654
Experian
$6,600
Approved10/04/2019
665
TransUnion
$6,600
Approved02/01/2019
694
Experian
$5,000
Approved11/06/2019
785
TransUnion
$12,500
Denied07/30/2021
Not Provided
---

What Are the Best Alternatives?

Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review
Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review
Citi Custom Cash Card
Citi Custom Cash Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Read Review

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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