Fast, Easy, Secure
Apply online and get a response in minutes and, if approved, you'll receive your card in 7 - 10 days!
Get Ready for More Cash Back
At gas stations, dining at restaurants and grocery store purchases.
PNC Cash Rewards® Visa®Credit Card
Earn Cash Back
$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 »
Key Features
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[2] in these categories annually.[3]
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[4]
- 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, 12.99% to 22.99%, 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 quickly and conveniently. Learn more »
- Online Account Tools
Manage transactions, rewards, balances or payments. - PNC Security & Privacy
Protection from credit or identity fraud.
- $0 Fraud Liability[5]
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 | 12.99% to 22.99% based on creditworthiness. These APRs will vary with the market based on the prime rate. |
| Cash Advances APR | 22.99% This APR will vary with the market based on the prime rate. |
| Penalty APR | 28.99% 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 |
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[2] in these categories annually.[3]
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 introductory period:
| Introductory APR**: | 0% |
| Introductory Term**: | 12 months |
| Intro Balance Transfer Fee6: (minimum $5) |
3% |
You Could Save
$0
NOTE: After the introductory period, a variable APR currently 12.99% to 22.99% based on creditworthiness will be applied. These APRs may vary with the prime rate.
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.
6. 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 $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.
7. 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.
What You Need to Apply
Information You Need to Complete the Application
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.
We Also Recommend
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.
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.
✝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 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
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.
