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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.
Compare Rewards Cards
See how we stack up against other cash back credit cards.
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 new 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
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, 14.99% to 24.99%, based on creditworthiness. These APRs will vary with the market based on the prime rate.**
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
- 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.
**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 | 14.99% to 24.99% based on creditworthiness. These APRs will vary with the market based on the prime rate. |
| Cash Advances APR | 24.99% This APR will vary with the market based on the prime rate. |
| Penalty APR | 30.99% This APR will vary with the market based on the prime rate |
| Minimum Interest Charge | $1.50 |
| Transaction Fees: | |
| Balance Transfers | Either $5 or 3% of the amount of each balance transfer during the first 90 days following account opening, whichever is greater. After that, 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 |
Estimate Your Cash Back Amount
Estimate how much cash back you can earn annually
Enter your estimated monthly purchase amounts for each category
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.
Calculate Your Savings When You Transfer a Balance
Estimate your savings when you transfer your credit card or other debt balances to a new PNC Cash Rewards Visa
Enter your current credit card or debt balances
During the 12-month7 promotion period:
| Introductory APR**: | 0% |
| Introductory Term**: | 12 months |
| Balance Transfer Fee**: (minimum $5) |
3% |
You Could Save
$0
NOTE: After the promotion period, a variable APR currently 14.99% to 24.99% based on creditworthiness will be applied.
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 transfer amounts are subject to limitations and restrictions.
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.
How to Apply
Ways to Apply
- Online through the website
- By phone: 1-800-762-5684 (Mon - Fri: 7am to 10pm ET; Sat - Sun: 8am - 5pm ET)
- In person at a branch
What You Need to Apply
During the application process, you may be asked to provide the following information:
- First and Last Name
- Date of Birth
- Address
- Social Security Number
- Monthly Housing Payment
- Total Annual Income
You'll receive a response immediately and if approved, your card will arrive within 7-10 business days.
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Important Legal Disclosures & Information
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.
PNC Bank, National Association (“PNC Bank”) 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.
Visa and Visa Signature are registered trademarks 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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