PNC Cash Unlimited® Visa Signature® Credit Card

The PNC Cash Unlimited® Visa Signature® Credit Card is a 2% cash back card designed for everyday purchases, also known as a daily driver credit card. The card has a good welcome offer and an 0% intro APR offer on balance transfers for the first 15 months, then 19.74% to 29.74% variable APR. Since this is a Visa Signature card, you get some nice benefits such as cell phone protection and purchase protection. We dive into the details and your approval odds in this PNC Unlimited review.

PNC Cash Unlimited Visa Signature Credit Card

Our Rating

4.8/5.0

Welcome Offer

$250

Annual Fee

$0

0% Intro on Purchases

None

Reward Rate

2% cash back

0% Intro on Balance Transfers

15 months

Welcome Offer

Earn a $250 bonus when you make $1,000 in purchases during the first 3 months following account opening of a PNC Cash Unlimited® Credit Card.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsCell Phone Protection, Purchase Protection, 24/7 customer service
Travel PerksConcierge Services, Emergency Travel Assistance, Roadside Assistance

Rewards

2% cash back
All eligible purchases
Earn unlimited 2% cash back on purchases

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.74% to 29.74% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 19.74% to 29.74%(V) APR after that.
Balance Transfer Intro FeeEither $5 or 4% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening.
Balance Transfer FeeEither $5 or 4% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 5% of the amount of each balance transfer, whichever is greater.

What Credit Score Is Required to Get the PNC Cash Unlimited® Visa Signature® 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: 728

Average Approved Credit Score: 755

App StatusDateCredit ScoreBureauCredit Limit
Approved06/10/2024
728
Equifax
$5,000
Approved06/10/2024
736
TransUnion
$5,000
Approved06/10/2024
741
Experian
$5,000
Approved06/10/2024
774
TransUnion
$5,000
Approved06/10/2024
775
Equifax
$5,000
Approved06/10/2024
776
TransUnion
$5,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • 2% cash back on all purchases
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

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

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Rating

4.5

Rewards Range

2x - 5x miles

Annual Fee

$95

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