To be eligible for bonus offers, you must not have opened the same credit card product and received a bonus in connection with account opening within the last 24 months. For example, if you opened a PNC Cash Rewards credit card on January 15, 2023, and subsequently received a bonus in connection with account opening, then you are ineligible for an account opening bonus on any other PNC Cash Rewards credit card opened before January 15, 2025, subject to other terms and conditions.
PNC Personal Credit Cards special offers
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Bonus eligibility restriction: Only one new account opening bonus per customer per product within a 24-month period. See below for details.
PNC Cash Rewards® Visa®
PNC Cash Rewards® Visa® Credit Card
Maximize your cash back
Bonus Offer: Earn $200 cash back[1,2] after you make $1,000 or more in purchases during the first 3 billing cycles following account opening.
- 4% on Gas station purchases
- 3% on Restaurant purchases
- 2% on Grocery store purchases
For the first $8,000 in combined purchases in the above three categories annually.[4,5]
PNC Cash UnlimitedSM Visa Signature® Credit Card
Earn unlimited 2% cash back on every purchase
- No caps on how much you can earn
- No cash back expiration dates to worry about
- No foreign transaction fees*
Intro Offers: Save more with a 0% introductory APR on purchases and balance transfers.*
- 0% intro APR on purchases for the first 12 billing cycles following account opening”
- 0% intro APR on qualifying balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.*
- Then, a variable APR on purchases and balance transfers, currently 19.24% to 30.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC Core® Visa® Credit Card
Save with low rates
- 0% intro APR on purchases for the first 15 billing cycles after account opening.*
- 0% intro APR on balance transfers for the first 15 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.*
- Then a variable APR on purchases and balance transfers, currently 18.24% to 30.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.*
PNC points® Visa® Credit Card
Earn points for exciting rewards
Apply for a new PNC Cash Rewards® Visa® credit card through PNC.com. Offer available when applying through any of the links provided on this page. If approved, you will earn a $200 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening. The bonus $200 monetary credit will be awarded to your account within 90 days after the purchase that enabled you to meet the $1,000 minimum requirement.
Apply for a new PNC points® Visa® Credit Card through PNC.com. Offer available when applying through any of the links provided on this page. If approved, 100,000 bonus points will be awarded after you have made at least $1,000 in purchases during the first 3 billing cycles following account opening. The 100,000 bonus points will be awarded within 90 days after you make the purchase that enabled you to meet the $1,000 minimum requirement.
A “billing cycle” is a period of time, typically 30 or 31 days, and the first billing cycle for an account begins on the day the account is opened and is usually shorter (and can be much shorter) than 30 or 31 days. Also, a billing cycle occurs even if you make no transactions on your account during the days in that billing cycle, and in that case, you may not receive a statement for that billing cycle.
So that you have sufficient time to take advantage of this promotional offer, you will have the greater of 3 billing cycles or 93 days to make the purchases necessary to earn the bonus.
You may forfeit any bonus you have earned under this offer or any rewards you earn with your credit card if we determine, in our sole discretion, that you have engaged or intend to engage in abuse, misuse, or gaming in connection with this offer in any way. This may include, without limitation and without prior notice, any or all of the following (1) disqualifying you from the offer; (2) reversal of any bonus (or reward) awarded under this offer; (3) closing or suspending your account; or (4) taking legal action against you to recover any monetary losses, including attorneys’ fees and damages.
PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.
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.
The $8,000 annual cap resets each year on your anniversary date, not at the beginning of each calendar year. Your anniversary date is the date your account is enrolled in the PNC Cash Rewards Program, and the same month/day each year thereafter. For example, if your account was enrolled in the program on June 17, 2022, your anniversary date in 2023 is June 17, 2023.
Some purchases of groceries, gas or food may only qualify for 1% cash back. That is because the cash back earned on a purchase is determined by the merchant category code assigned to a merchant. The merchant category code is based on the merchant’s type of business and is assigned by the merchant’s credit card processor. PNC Bank does not assign merchant category codes. For details, please refer to the PNC Cash Rewards Program Terms and Conditions available at pnc.com/creditcards.
You must be a well-qualified borrower to be approved for a PNC Cash Unlimited credit card account. We look at a variety of factors to determine whether you are a well-qualified borrower. Among the factors we consider from your credit report: whether you have more than 3 years of credit history, whether you pay your bills on time and whether you have filed for bankruptcy. We also consider whether you have an existing PNC relationship, including a deposit account. This is not an exhaustive list of factors we consider. If we decline your application, we will provide you with the reasons for the decline.
Upon closure of your Account either by you or us, any Points and/or Cash Back that you have earned but not redeemed is immediately and automatically forfeited.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.
PNC Cash Unlimited is a service mark of The PNC Financial Services Group, Inc.
PNC Cash Rewards, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
For more information regarding Go Banking Rates' Best Cash Back award, please see https://www.gobankingrates.com/credit-cards/rewards/best-cash-back-credit-cards/.