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

PNC Cash Rewards® Visa® Credit Card
Cash Back for Heavy Spenders. Source: The Mad Capitalist

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.

PNC Cash Rewards® Visa® Credit Card

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.

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

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Fees

Young woman wear white tank shirt using mobile cell phone hold credit bank card shopping online booking tour sit on blue sofa stay at home flat rest relax spend free spare time in living room indoors.
Find out the main details of this credit card. Source: Adobe Stock

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.

PNC Cash Rewards® Visa® Credit Card

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

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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