Cash Rewards® Visa® Credit Card: Earn $200

Earn $200

$0 Annual Fee**

Due to manufacturing delays affecting the delivery of new credit cards, if your application is approved, we estimate that your card(s) will be shipped 2-3 weeks after application approval.

Earn a $200 Bonus^[1] after you make $1,000 or more in purchases^[2] during the first 3 billing cycles following account opening of a PNC Cash Rewards^® Visa^® Credit Card. Offer available when applying through a link on a PNC.com page on which the bonus is offered.

cash back on gas station purchases

cash back on dining purchases at restaurants

cash back on grocery store purchases

cash back on all other purchases

Earn at least 1% cash back on purchases^[2]everywhere. 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]

Calculate Your Cash Back

Features & Benefits

Cell phone protection included

When you use your eligible PNC Visa credit card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged. Limitations apply.^[5]

Rates & Offers
Security
Digital Account Tools
Rewards

Balance Transfer Offer
Introductory 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 a variable APR, currently 18.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.**

Zero Liability Fraud Protection^[6]
If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use.
PNC Easy Lock®
Misplaced your PNC credit card? Lock it in real time. Learn more
Alerts
Receive real-time email or text message alerts when your card is used online, internationally or for transactions greater than a specified amount. Learn more

Online Account Tools
Manage transactions, redeem rewards, and make payments digitally.
Contactless Technology
Pay for everyday purchases quickly and conveniently. Get the same level of security when you tap as you do when you insert your chip. Learn more
Online Statements
Turn off your paper statements and get access to up to 48 months of statements online. Learn more

Redeem in Online Banking or in the PNC Mobile app any time you have at least $25 in your PNC Cash Rewards Account.*
Receive cash back as a statement credit or deposit into a qualifying PNC account.
Rewards never expire as long as your account is open.^*[7]

Balance Transfer Offer
Introductory 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 a variable APR, currently 18.24% to 29.24%, based on creditworthiness. This APR will vary with the market based on the prime rate.**

Zero Liability Fraud Protection[6]
If your card or card number is ever lost or stolen, your money will be replaced when you notify us promptly of unauthorized use.
PNC Easy Lock®
Misplaced your PNC credit card? Lock it in real time. Learn more
Alerts
Receive real-time email or text message alerts when your card is used online, internationally or for transactions greater than a specified amount. Learn more

Online Account Tools
Manage transactions, redeem rewards, and make payments digitally.
Contactless Technology
Pay for everyday purchases quickly and conveniently. Get the same level of security when you tap as you do when you insert your chip. Learn more
Online Statements
Turn off your paper statements and get access to up to 48 months of statements online. Learn more

Redeem in Online Banking or in the PNC Mobile app any time you have at least $25 in your PNC Cash Rewards Account.*
Receive cash back as a statement credit or deposit into a qualifying PNC account.
Rewards never expire as long as your account is open.^*[7]

Cash Rewards^® Visa^® Credit Card

Apply Now

*Rewards Terms & Conditions | **Rates & Fees

Tools & Calculators

Estimate how much cash back you could earn annually.

Enter your estimated monthly purchase amounts for each category.

Related Resources

For Students

Student Credit Card Center

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Visit the Student Credit Card Center

Financial Education

Credit Card Tips

PNC Bank has teamed up with Visa to offer practical money skills.

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Manage Your Credit Card Online

With PNC Online Banking, you can manage your credit card online, keep track of day-to-day spending, and stay informed with PNC Card Alerts.

Visit Manage Your Credit Card Online

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Digital Payments

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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.

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.
When you pay your monthly wireless bill with your eligible PNC Visa credit card, your cell phone is protected for the next calendar month if it is stolen or damaged. A maximum of 2 claims will be paid each 12-month period, with each claim subject to a $50 deductible. Additional terms, conditions and exclusions apply. If your credit card application is approved, you will be provided with a link to a Visa Guide to Benefits that contains complete details regarding the program.
Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.
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.

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

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

PNC Cash Rewards and PNC Easy Lock are registered marks of The PNC Financial Services Group, Inc.

Visa^® is a registered trademark of Visa International Service Association and used under license.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

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