PNC Cash Rewards®
Visa® Credit Card

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*Rewards Terms & Conditions  **Rates & Fees

 

Earn Double Cash Back
Learn More »

 

$0 Annual Fee**

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[1] 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[2] in these categories annually.[3]

Double Your Cash Back with
PNC Cash Rewards

You'll earn DOUBLE CASH BACK on your first year of purchases!

So, the cash back you earn on gas, dining, groceries and other purchases will be doubled. We'll automatically apply the double cash back to your rewards after the first year following account opening. See “Double Cashback Offer” below for details, including restrictions and limitations.[4]

What is double cash back? How much cash back can I earn?

PNC will match the cash back rewards you earn under the PNC Cash Rewards Program during the first year after account opening. So you
can earn an additional 4% cash back on gas station purchases, 3% cash back on dining purchases at restaurants, and 2% cash back on
grocery store purchases for the first $8,000 in combined purchases during the first year after account opening. You can earn an additional
1% cash back on all other purchases during the first year after account opening.

For example, if you earn $100 cash back under the PNC Cash Rewards Program during the first year after account opening, we will match
that bringing your total to $200.

  • Earn $150 in cash back for the year, we will make it $300. 
  • Earn $200 in cash back for the year, we will make it $400.
  • Earn $300 in cash back for the year, we will make it $600.

Features & Benefits

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

 

Redeem Cash Back*

  • 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

 

Manage Your Credit Card Online

In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and the PNC Mobile App[6]

View all of your spending and saving online, from your desktop, tablet or mobile device.

Learn More »

Annual Percentage Rate

  • Save with our lowest intro APR

    0% Intro 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, 16.24% to 27.24%, based on creditworthiness. This APR varies with the market based on the prime rate.**

Security

  • Zero Liability Fraud Protection[7]
    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 »

Additional Features

  • Online Account Tools
    Manage transactions, rewards, balances or payments.

  • Contactless Technology
    Pay for everyday purchases quickly and conveniently.
    Learn more »

  • Dedicated Customer Service
    We are available 7 days a week to serve you



PNC Cash Rewards® Visa® Credit Card

Apply Now

*Rewards Terms & Conditions **Rates & Fees

Rates & Fees

 

**Rates & Fees

Introductory Offer Introductory 0% Annual Percentage Rate (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.

After that the Balance Transfer APR will apply.
Annual Fee $0
Purchase & Balance Transfer APRs 16.24% to 27.24% based on creditworthiness.
These APRs will vary with the market based on the prime rate.
Cash Advances APR 27.24%
This APR will vary with the market based on the prime rate.
Penalty APR 31.24%
This APR will vary with the market based on the prime rate
Minimum Interest Charge $1.50
Transaction Fees:  
Balance Transfers Intro balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, applies for the first 90 days following account opening. After that, balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater. 
Cash Advances Either $10 or 5% of the amount of each cash advance, whichever is greater, applies.
Foreign Transaction 3% of each foreign transaction in U.S. dollars. 
Penalty Fees:  
Late Payment Up to $38
Returned Payment Up to $38

**See Important Information About Rates and Fees »

Tools & Calculator

 

Estimate Your Cash Back Amount

Estimate how much cash back you could earn annually

Enter your estimated monthly purchase amounts for each category

 
Total monthly purchases
Total annual purchases

Four Percent Cash Back

$1999.92

Three percent Cash Back

$999.96

Two percent Cash Back

$3999.96

one percent Cash Back

$2000.04

You could earn an estimated

$237.14

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[2] in these categories annually.[3]

Calculations & Assumptions:The cash back earned is an estimate based on the assumption that the dollar amount entered in the calculator for the total monthly purchases will be the same amount spent every month for an entire year. Actual earnings will vary based on (1) the order in which your purchases are made in an individual month, and (2) any changes to your monthly spending patterns.

What You Need to Apply

 

Related Resources

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

Visit the Student Credit Card Center  

If you have questions about or need help with your existing PNC credit card, we're here to help.

Visit the Customer Service Center  

Have Questions? We're Here to Help


Visit Us

Find a PNC location near
you and stop by to see us.

Locate PNC  

 

Important Legal Disclosures & 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. 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.

  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 pnc.com/creditcards.

  4. Double Cashback Offer for new PNC Cash Rewards® Visa® credit card accounts:

    Promotional Offer Period: This offer is available if you apply for a PNC Cash Rewards Visa credit card account through the following link https://secure.apply.pnc.com/cccr/gettingStarted?promoCode=promo23 on pnc.com during the period 10/1/22 through 12/31/22 and your application is approved. All accounts subject to credit approval.

    Offer Details: We'll match the cash back rewards you earn under the PNC Cash Rewards program only that post to your new PNC Cash Rewards Visa cash back reward balance during the first “Program Year” of your account. This offer cannot be combined with other cash back promotional reward offers on your account, such as additional cash back rewards under the PNC Purchase Payback program. For example, if you were to earn ten percent (10%) cash back on a purchase under the PNC Purchase Payback program during your first Program Year that would have otherwise earned only one percent (1%) cash back under the PNC Cash Rewards program, we will match only the cash back you would have earned had the purchase not qualified for additional cash back under the PNC Purchase Payback program. In this example, we would only match 1% cash back, not 10% cash back. The final determination of the amount of any cash back match will be in our sole discretion.

    As we explain in the PNC Cash Rewards Program Terms and Conditions, which are available at pnc.com and apply to this offer and any cash back rewards earned under these offer terms, your first “Program Year” is from your first “Anniversary Date” through the day before your “Anniversary Date” of the following 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.

    Please refer to the PNC Cash Rewards Program Terms and Conditions for information about transactions that are considered purchases and, therefore, eligible for earning cash back rewards. For example, cash advances and balance transfers do not earn cash back rewards and would not earn rewards under this offer.  Cash back rewards that post to your cash back reward balance after your first Program Year are not eligible for this offer and will not be doubled. Cash back matches under this offer will not be awarded or, if awarded, will be reversed in full, for returns, credits or chargebacks. For details on cash back reward adjustments, please refer to the PNC Cash Rewards Program Terms and Conditions.

    We will award the cash back earned under this offer within 90 days after the end of your first Program Year. To be awarded the cash back rewards earned under this offer, your account must remain open and be available for you to use to make purchases at the time we award the cash back. If your account is closed, revoked, bankrupt, or charged off, you immediately and automatically forfeit any cash back rewards earned under this offer but not redeemed. You also may forfeit any cash back rewards you have earned under this offer 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 rewards 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.

  5. 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.

  6. 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. 

  7. A supported mobile device is needed to use Mobile Banking. Third party standard usage and data rates may apply.

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

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

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

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