PNC Cash Rewards® Visa®

Credit Card

Carry the card that gives you more cash back every day for purchases at gas stations, restaurants, grocery stores, and more – with no rotating categories and no annual fee. 

Fast, Easy, Secure

Apply online and get a response in minutes!

$100 BONUS

After you make $1,000 or more in purchases[1] during the first 3 billing cycles following account opening[2]. Estimate your cash back »

Plus, our lowest intro APR on balance transfers!

Introductory Offer
Key Features
Get Ready for More Cash Back

At gas stations, dining at restaurants and grocery store purchases. 

Cash Back is Automatic 

There's no need to enroll or track rotating categories. 

Seamless Integration with PNC Online Banking and Virtual Wallet

See your overall financial picture.

Account Overview

Features and Benefits

Get the new PNC Cash Rewards Visa credit card and enjoy cash back at the places you shop the most:

4% cash back on gas station purchases (in-store and at the pump)

3% cash back on dining purchases at restaurants, including fast food

2% cash back on grocery store purchases

1% cash back on all other purchases

You’ll earn at least 1% cash back on purchases[1] 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[3] in these categories annually.[4]

Redeem cash back on your terms*

  • Redeem any time you have at least $25 in your PNC Cash Rewards account
  • Your cash back never expires as long as your account is open[5]
  • Get your cash back as a statement credit or deposited into a qualifying PNC account
  • Estimate Your Cash Back »

Save with our lowest intro APR

  • 0% APR on 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, 13.99% to 24.99%, based on creditworthiness. These APRs will vary with the market based on the prime rate.**

The PNC Cash Rewards Visa credit card also features:

  • No Annual Fee**
  • Dedicated U.S.-Based Customer Service
    We are available 7 days a week to serve you
  • Contactless Technology
    Pay for everyday purchases quickly and conveniently. Learn more  »
  • Online Account Tools
    Manage transactions, rewards, balances or payments.
  • PNC Security & Privacy
    Protection from credit or identity fraud.
  • $0 Fraud Liability 
    You won't be responsible for fraudulent charges on your account. 
  • PNC Easy Lock®
    Misplaced your PNC credit card? Lock it in real time. Learn more»
Tools and Calculators 
How to Apply

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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.

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Pay With Visa

There’s an easier way to pay online. With Visa's new online checkout experience you can use your PNC Visa® card to make purchases so there is no need to re-enter your information with every online purchase.

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 »

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 Program Terms and Conditions available at You will earn a $100 monetary credit on your statement after you have made $1,000 in purchases during the first 3 billing cycles following account opening. The bonus $100 monetary credit will be awarded to your account within 60 days after the purchase that enabled you to meet the $1,000 minimum requirement. The $100 monetary credit, if earned, will be forfeited if the account is closed before the monetary credit is awarded.

  3. 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

  4. 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, 2021, your anniversary date in 2022 is June 17, 2022.

  5. Upon the closure of the account either by the customer or by us, any cash back earned but not redeemed is immediately and automatically forfeited. 

PNC Bank, National Association  is the issuer of the PNC Cash Rewards Visa credit card.

PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.

PNC Cash Rewards is a registered mark of The PNC Financial Services Group, Inc. 

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

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

BBVA is a registered trademark of BBVA, S.A. and is used under license.

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