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  • Earn 4% on gas station purchases 
  • Earn 3% on dining purchases at restaurants, including fast food
  • Earn 2% on grocery store purchases
  • Earn 1% on all other purchases

You'll earn at least 1% cash back on purchases everywhere, every time. Earn 2% on grocery store purchases, 3% on dining purchases at restaurants and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.*[1]

Cash back is automatic - there's no need to enroll or track rotating categories. 

See how our cash back categories stack up against other credit card issuers »

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  • Save on interest with 0% Intro APR on balance transfers for first 15 billing cycles when you transfer the balance within 90 days.*
  • Save on interest with 0% Intro APR on purchases[1] for first 15 billing cycles, when carrying a balance.*
  • Then a variable APR, currently 11.99% to 21.99%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
  • No annual fee*

See how we compare to other credit card issuers »

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  • Earn 4 points for every $1 in purchases*[1]
  • Earn even more points with PNC Virtual Wallet or an eligible PNC Checking account when you meet additional requirements*
  • Redeem your points for thousands of valuable rewards – including cash, name brand merchandise, travel, and more
  • No annual fee**
  • Introductory offer on purchases and balance transfers**

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  • Get 30,000 bonus miles when you make $3,000 in purchases[1] in the first 3 billing cycles following account opening - a $300 value when you redeem miles for travel rewards[3]
  • Earn 2 miles for every $1 spent on all purchases*[1]
  • No foreign transaction fees on purchases[1] made abroad**
  • Introductory $0 annual fee for the first year, then $85**
  • Introductory offer on balance transfers**

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One Stop for All Things Credit Card

Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards. Find the right card for you.

Visit the Student Credit Card Center

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Manage Your Credit Cards Online

Add the power of PNC Online Banking or Virtual Wallet to your PNC Visa Credit Card and see how easy it can be to keep track of your day-to-day spending.

Learn More »

Digital Payments

Breeze through the checkout process online, in-store and in-app when you connect your PNC debit or credit card to a digital payment option.

Learn More »

Visa Checkout

Pay online the easier way with Visa Checkout and your PNC card. Breeze through checkout when shopping online with a single sign-in anytime you see the Visa Checkout button.

Sign Up Now »

Important Legal Disclosures and Information

  1. The term “purchases” does not mean every transaction you make with your credit card.  Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers are excluded.

  2. For details about the PNC Cash Rewards Program, including information on purchases, category restrictions and earning and redeeming cash back, please refer to the PNC Cash Rewards Terms and Conditions

  3. The bonus 30,000 miles will be awarded to your account within 60 days of the purchase that enabled you to meet the $3,000 minimum requirement.

PNC Cash Rewards, PNC Premier Traveler, PNC Core, and PNC points are registered marks of The PNC Financial Services Group, Inc. 

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC