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
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each foreign transaction in U.S. dollars. |
| Regular APR | 19.24% to 30.24% (V) APR |
| Balance Transfers | 0% Intro APR for 12 months on balance transfers, then 19.24% to 30.24%(V) APR after that. |
| Balance Transfer Fee | Intro 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
Cellphone 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 a number of factors in their underwriting process, and these factors can change at any time.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/21/2020 | Experian | ||
| Denied | 07/30/2021 | Not Provided |
- Welcome offer
- No annual fee
- Up to 4% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
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