Earn 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 in these categories annually. You'll earn at least 1% cash back on all other purchases everywhere, every time.
Calculate your cash back »»
No Annual Fee**
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
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
Get your cash back as a statement credit or deposited into a qualifying PNC account
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, 15.49% to 26.49%, based on creditworthiness. This APR varies with the market based on the prime rate.**
No Annual Fee**
Dedicated U.S.-Based Customer Service
We are available 7 days a week to serve you
Pay for everyday purchases quickly and conveniently.
Learn more »
Online Account Tools
Manage transactions, rewards, balances or payments.
PNC Security & Privacy
Enjoy peace of mind with PNC security & privacy and built-in fraud protection.
|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.
|Purchase & Balance Transfer APRs||15.49% to 26.49% based on creditworthiness.
These APRs will vary with the market based on the prime rate.
|Cash Advances APR||26.49%
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 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.|
|Late Payment||Up to $38|
|Returned Payment||Up to $38|
Estimate how much cash back you could earn annually
Enter your estimated monthly purchase amounts for each category
You could earn an estimated
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.
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.
12 billing cycles
Intro Balance Transfer Fee7:
**NOTE: After the introductory period, a variable APR currently 15.49% to 26.49% based on creditworthiness will be applied. This APR varies with the market based on the prime rate. Also, after the introductory period, your standard balance transfer fee of either $5 or 4% of the amount of each balance transfer, whichever is greater, will apply.
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 introductory 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.
+. 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 either $5 or 3% of the amount of each balance transfer, whichever is greater, applies during 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, applies.
++. The introductory 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 will be asked to provide/confirm the following information:
You'll receive a response 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.
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.
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.
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.
A supported mobile device is needed to use Mobile Banking. Third party standard usage and data rates may apply.
✝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 $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.
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.
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.