PNC Cash Rewards® Visa® Credit Card

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.

Our Rating

4.6/5.0

Welcome Offer

$200

Annual Fee

$0

0% on Purchases

Reward Rate

1% – 4%

0% on Balance Transfers

12

Welcome Offer

Earn a $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.

Features & Benefits

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

Rewards

1% cash back
On all other eligible purchases
1% cash back on all other purchases.
2% cash back
U.S. supermarkets
2% cash back on grocery store purchases for the first $8,000 in combined purchases in these categories annually.
3% cash back
Dining
3% cash back on dining purchases at restaurants, including fast food for the first $8,000 in combined purchases in these categories annually.
4% cash back
Gas
Earn 4% cash back on gas station purchases for the first $8,000 in combined purchases in these categories annually.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each foreign transaction in U.S. dollars.
Regular APR19.24% to 30.24% (V) APR
Balance Transfers0% Intro APR for 12 months on balance transfers, then 19.24% to 30.24%(V) APR after that.
Balance Transfer FeeIntro balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, applies for the first 90 days following account opening. After that, balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater.

Insurance

Cell Phone Insurance

When you use your eligible PNC Visa credit card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged. Limitations apply.

When you pay your monthly wireless bill with your eligible PNC Visa credit card, your cell phone is protected for the next calendar month if it is stolen or damaged. A maximum of 2 claims will be paid each 12-month period, with each claim subject to a $50 deductible. Additional terms, conditions and exclusions apply. If your credit card application is approved, you will be provided with a link to a Visa Guide to Benefits that contains complete details regarding the program.

What Credit Score Is Required to Get the PNC Cash Rewards® Visa® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 737

Average Approved Credit Score: 756

App StatusDateCredit ScoreBureauCredit Limit
Approved10/27/2023
775
Experian
$2,500
Approved02/01/2023
737
Equifax
$12,500
Approved02/01/2023
742
Experian
$12,500
Approved02/01/2023
752
TransUnion
$12,500
Approved01/26/2023
744
Experian
$12,500
Approved01/26/2023
752
TransUnion
$12,500
Approved01/26/2023
770
Equifax
$12,500
Approved01/31/2023
746
Experian
$11,500
Approved01/31/2023
788
Experian
$11,500
Denied07/30/2021
800
Not Provided
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Denied01/13/2024
724
Not Provided
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Pros & Cons

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

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

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