PNC Cash Rewards® Visa® Credit Card

Earn Double Cash Back 

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$0 Annual Fee**

cash back on gas station purchases

cash back on dining purchases at restaurants

cash back on grocery store purchases

cash back on all other purchases

Earn at least 1% cash back on purchases[1] everywhere. 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[2] in these categories annually.[3]

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.[4]

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.[5]

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.**

Security

  • Zero Liability Fraud Protection[6]
    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. Learn more
  • Alerts
    Receive real-time email or text message alerts when your card is used online, internationally or for transactions greater than a specified amount. Learn more

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. Learn more
  • Online Statements
    Turn off your paper statements and get access to up to 48 months of statements online. Learn more

Rewards

  • Redeem in Online Banking or in the PNC Mobile app any time you have at least $25 in your PNC Cash Rewards Account.*
  • Receive cash back as a statement credit or deposit into a qualifying PNC account.
  • Rewards never expire as long as your account is open.*[7]
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Cash Rewards® Visa® Credit Card

Tools & Calculators

Estimate how much cash back you could earn annually.

Enter your estimated monthly purchase amounts for each category.

Related Resources

For Students

Student Credit Card Center

Learn about using credit cards responsibly, as well as the many benefits and features that come standard with our credit cards.

Financial Education

Credit Card Tips

PNC Bank has teamed up with Visa to offer practical money skills. 

Learn More

Manage Your Credit Card Online

With PNC Online Banking, you can manage your credit card online, keep track of day-to-day spending, and stay informed with PNC Card Alerts.

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