Credit Cards
Cash Back for Heavy Spenders: PNC Cash Rewards® Visa® Credit Card review
Searching for a rewards credit card? Then don't miss the PNC Cash Rewards® Visa® Credit Card! Earn up to 4% back and pay no annual fee!
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Earn rewards on gas, dining, and groceries
Do you love cash back on gas, dining, and groceries? This PNC Cash Rewards® Visa® Credit Card review shows why this card is top-rated, especially for heavy spenders.
Get the PNC Cash Rewards® Visa® Credit Card in 10
Apply for PNC Cash Rewards® Visa® Credit Card and Earn up to 4% Cash Back on all Your Purchases- Complete Guide.
It is a reliable cash back rewards card to save money with every swipe. Our post covers its features, pros, and cons. So read on and discover!
- Credit Score: Excellent;
- Annual Fee: $0;
- Purchase APR:18.99% to 29.99% (variable);
- Cash Advance APR: 29.99% variable APR;
- Welcome Bonus: Earn a $200 bonus after making at least $1.000 on purchases within the first 3 months of account opening;
- Rewards: Earn 4% cash back on gas stations, 3% on dining at restaurants, 2% on grocery stores (p to $8.000 in combined purchases annually), and 1% on all other purchases.
PNC Cash Rewards® Visa® Credit Card: how does it work?
The PNC Cash Rewards® Visa® is good for earning cash back on everyday purchases such as gas, dining, and groceries. Ideal for those who use credit cards frequently.
Here are the cash back categories:
- 4% on gas station purchases;
- 3% on dining purchases at restaurants;
- 2% on grocery store purchases;
- 1% on all other purchases.
Note that the 4%, 3%, and 2% cash back categories have an $8,000 combined limit per year which resets yearly.
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Redemption
Redeem your cash back on the PNC mobile app, get a statement credit, or deposit it into a qualifying PNC account with a minimum amount of $25.
Also, rewards never expire as long as your account is open.
Intro balance transfer offer
This card offers an introductory balance transfer offer with 0% APR for the first 12 billing cycles (18.99% to 29.99% after that).
Extra Benefits
Aside from cashback and an intro balance transfer offer, there are other benefits:
- Security: Zero Liability Fraud Protection, PNC Easy Lock, and alerts;
- Digital account tools: Online account tools to manage your credit card transactions, redeem rewards, and make digital payments online, contactless technology, and online statements.
Fees
Further, review some of the PNC Cash Rewards® Visa® Credit Card’s fees.
- Annual Fee: $0;
- Balance Transfers: $5 or 3% of the amount for 90 days, then $5 or 4%, whichever is greater;
- Cash Advance: $10 or 5% of the cash advance amount, whichever is greater.
- Foreign Transaction: 3%.
PNC Cash Rewards® Visa® Credit Card: should you get one?
Below, let’s review some pros and cons before getting the PNC Cash Rewards® Visa® Credit Card!
Indeed, this credit card can benefit those with excellent credit looking for cash back or a 0% balance transfer period. Check it out!
Pros
- No annual fee;
- Cashback on different categories;
- Welcome bonus;
- Intro 0% balance transfer APR for the first 12 billing cycles.
Cons
- Rewards cap;
- Requires a high credit score.
Credit score required
A score of 700 or higher increases approval chances for the PNC Cash Rewards® Visa® Credit Card.
PNC Cash Rewards® Visa® Credit Card application: how to do it?
Want to get the PNC Cash Rewards® Visa® Credit Card and start earning cashback? Then check out our post below for a step-by-step guide on how to apply.
Get the PNC Cash Rewards® Visa® Credit Card in 10
Apply for PNC Cash Rewards® Visa® Credit Card and Earn up to 4% Cash Back on all Your Purchases- Complete Guide.
About the author / Suzana Brito
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