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.
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.
This double cash back offer is available if you apply for a PNC Cash Rewards® Visa® Credit Card on PNC.com during the period 10/1/22 through 12/31/22 and your application is approved. Existing customers with a PNC Cash Rewards Visa Credit Card Account are not eligible for the offer.
No. Once your new PNC Cash Rewards account has been opened, you are automatically eligible to earn double cash back during the first year after account opening.
Eligible new PNC Cash Rewards customers will receive double cash back within 90 days following the end of the first year after account opening.
You will receive the double cash back bonus in your PNC Cash Rewards Account just as you receive your other other cash back rewards.
Features & Benefits
Cell phone protection included
When you use your eligible PNC Visa credit card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged. Limitations apply.
Rates & Offers
- Balance Transfer Offer
Introductory 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 a variable APR, currently 17.74% to 28.74%, based on creditworthiness. This APR will vary with the market based on the prime rate.**
- Zero Liability Fraud Protection
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.
Receive real-time email or text message alerts when your card is used online, internationally or for transactions greater than a specified amount.
Digital Account Tools
- Online Account Tools
Manage transactions, redeem rewards, and make payments digitally.
- Contactless Technology
Pay for everyday purchases quickly and conveniently. Get the same level of security when you tap as you do when you insert your chip.
- Online Statements
Turn off your paper statements and get access to up to 48 months of statements online.
Tools & Calculators
Estimate how much cash back you could earn annually.
Enter your estimated monthly purchase amounts for each category.
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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, 2022, your anniversary date in 2023 is June 17, 2023.
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.
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.
When you pay your monthly wireless bill with your eligible PNC Visa credit card, your cell phone is protected for the next calendar month if it is stolen or damaged. A maximum of 2 claims will be paid each 12-month period, with each claim subject to a $50 deductible. Additional terms, conditions and exclusions apply. If your credit card application is approved, you will be provided with a link to a Visa Guide to Benefits that contains complete details regarding the program.
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.
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 is the issuer of the PNC Cash Rewards Visa credit card.
PNC Cash Rewards and PNC Easy Lock are registered marks of The PNC Financial Services Group, Inc.
Visa® is a registered trademark of Visa International Service Association and used under license.