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PNC Cash Rewards® Visa®

Credit Card

Earn 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 and, if approved, you'll receive your card in 7 - 10 days!

Apply Now
*Reward Program Terms & Conditions
**Important Information About Rates & Fees

$100 Bonus Offer

Earn a $100 bonus after you make $1,000 or more in purchases 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.
View Offer Details »

Special Online 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 & Virtual Wallet

See your overall financial picture.

Account Overview

Features & Benefits

Get the 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, 14.49% to 24.49%, based on creditworthiness. These APRs will vary with the market based on the prime rate.**

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 Virtual Wallet. View all of your spending and saving online, from your desktop, tablet or mobile device. Learn More »

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 faster and with greater convenience than ever before. 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»

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.

Then, the Balance Transfer APR.
Annual Fee $0
Purchase & Balance Transfer APRs 14.49% to 24.49% based on creditworthiness.
These APRs will vary with the market based on the prime rate.
Cash Advances APR 24.49%
This APR will vary with the market based on the prime rate.
Penalty APR 30.49%
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 $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. 
Penalty Fees:  
Late Payment Up to $38
Returned Payment Up to $38

**See Important Information About Rates and Fees »

Tools & Calculators 

Estimate Your Cash Back Amount

Estimate how much cash back you can earn annually

Enter your estimated monthly purchase amounts for each category

 
Total monthly purchases
Total annual purchases

Cash Back

$1999.92

Cash Back

$999.96

Cash Back

$3999.96

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[3] in these categories annually.[4]

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

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Visa Checkout

Pay online the easier way with Visa Checkout and your PNC card. Breeze through checkout when shopping online with a single sign-in anytime you see the Visa Checkout button.

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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 »

Related Resources

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. 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. 

  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. 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.

  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. 

✝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

The PNC Financial Services Group, Inc. All rights reserved.