Fast, Easy, Secure
Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!
At gas stations, dining at restaurants and grocery store purchases.
There's no need to enroll or track rotating categories.
See your overall financial picture.
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 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.
In addition to giving you the rewards you want, a PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device. Learn More »
|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.
Then, the Balance Transfer APR.
|Purchase & Balance Transfer APRs||12.99% to 22.99% based on creditworthiness.
These APRs will vary with the market based on the prime rate.
|Cash Advances APR||22.99%
This APR will vary with the market based on the prime rate.
This APR will vary with the market based on the prime rate
|Minimum Interest Charge||$1.50|
|Balance Transfers||Intro balance transfer fee of $5 or 3% of the amount of each balance transfer during the first 90 days following account opening, whichever is greater. 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.|
|Foreign Transaction||3% of each foreign transaction in U.S. dollars.|
|Late Payment||Up to $38|
|Returned Payment||Up to $38|
|Introductory Term**:||12 months|
|Intro Balance Transfer Fee6:
NOTE: After the promotion period, a variable APR currently 12.99% to 22.99% based on creditworthiness will be applied. These APRs may vary with the prime rate.
Calculations & Assumptions: The savings reflected are approximate and are calculated on the difference in interest charges between the higher APR cards you entered and the lower introductory balance transfer APR offered by PNC Bank. Actual savings may be impacted based on your purchase and payment activity. Fees other than the balance transfer fee are not taken into consideration. No upper limit to balance transfer fees are considered. Additionally, it is assumed that no other balances are on the account other than the transferred balance that is subject to the promotional rate. For purposes of this calculator, the minimum payment is calculated as 1% of principal balance plus interest and fees. Your minimum payment may be different. See your credit card agreement for details.
6. Balance Transfers are subject to certain limitations and restrictions, including the terms and conditions of any applicable introductory balance transfer offer. Intro balance transfer fee of $5 or 3% of the amount of each balance transfer during the first 90 days following account opening, whichever is greater. After that, balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater.
7. The promotion period is the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.
During the application process, you may be asked to provide the following information:
You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.
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.
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.
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.
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, 2018, your anniversary date in 2019 is June 17, 2019.
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.
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.
✝Special PNC.com Offer: 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 $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 90 days after the purchase that enabled you to meet the $1,000 minimum requirement.
PNC Bank, National Association (“PNC Bank”) 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 is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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