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.
Learn about using credit cards responsibly, as well as the benefits & features of our credit cards.
PNC Cash Rewards® Visa® Credit Card
- Earn at least 1% cash back on purchases 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 in these categories annually.*
- You'll receive a $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening.
- Cash back is automatic - there's no need to enroll or track rotating categories.
- Cell phone protection included. Limitations apply.
- $0 annual fee.**
Not what you're looking for? Check out our other products!
Credit Tips & Tools
Whether you’re just beginning to explore credit, or already have a credit card, PNC is here to help you start – and stay on – the right financial path.
Credit cards provide convenience and even rewards based on spending. However, if cardholders don’t manage their cards carefully, they may find themselves facing unwanted consequences like a poor credit score or unexpected fees.
When you apply for credit, lenders determine your eligibility by examining your credit scores, also known as FICO® scores. Each of the three main credit bureaus — Experian, TransUnion, and Equifax — keep credit information about you that is used to calculate your FICO scores. This includes your payment history, the amount of money you owe creditors, the length of your credit history and the number of recently opened credit accounts.
Understanding what credit is and how your credit score can be improved is a crucial step toward reaching your financial goals. Your credit score is a measure of factors that may affect your ability to repay credit. It's a complex formula that takes into account how you've repaid previous loans, any outstanding debt, and other financial history.
To get a glimpse of your financial future, many businesses look at your past. Your financial history is contained in your credit report, which can determine everything from whether you qualify for a loan and the rate you'll pay on that loan to your prospects for renting an apartment or obtaining car insurance. A strong credit report is key to building and managing your finances.
Make sure you create financially smart habits by requesting your free credit report annually. Keep track of your score and review it for inaccuracies with these tips.
Benefits & Features
Look forward to exceptional service and a convenient way to pay –
included with every PNC credit card
PNC has got you covered with many more ways to pay.
Digital wallets provide ease and convenience when making payments. Add your eligible PNC Visa® card to a digital wallet to shop in-store, in-app or online with your mobile or wearable device.
Our Highest Level of Security Comes Standard
Here are just a few of the ways you’re protected:
Manage Your Account
We provide convenient options for taking control of your money and managing your account.
Start Here: Online Banking
PNC Online Banking makes it easy to set up your account for success. It’s the free way to stay connected to your account how and when you want.
Sync up with Virtual Wallet Student®
If you have a Virtual Wallet Student account, you can seamlessly add your PNC credit card to your Calendar and see your transactions automatically sorted in
Spending + Budgets.
Pick Your Own Payment Due Date
For extra convenience, PNC lets you select when your payment is due. Simply choose a date that works best for your schedule
Use Custom Text Alerts to Stay Connected
Set up PNC Alerts and we’ll text or email you about important credit card activity – like when your payment is due, or each time a transaction posts to your account.
Pay Your Bill the Easy Way – Automatically
On-time payments can help you establish a solid credit history. And automated payments make paying on time a breeze. Set it up once and you’re done. But always be sure to review your statement every month and let us know as soon as possible if you think there is an unauthorized transaction or you believe there is a mistake on your statement.
Access Your FICO® Score at No Charge – and Keep Moving Toward your Goals
As a PNC cardholder, you can check your FICO® Score online as often as you’d like within PNC Online Banking. There’s no charge, and you’ll also learn about 2 key factors that have impacted your score.
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.
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.
PNC Bank, National Association (“we,” “our,” “us”) reserves the right to modify or revoke this offer at any time, without compensation to you.
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.
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.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
A customer may request to change the due date on their account. Certain restrictions and conditions apply.
PNC Alerts are free to customers. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.
PNC MasterCard® and commercial credit cards are not eligible at this time.
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.
Pursuant to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the credit card agreements below were submitted to the Federal Reserve Board. These agreements were effective as of December 31st, 2022. If you are applying for a credit card now, the terms of the account you are applying for may be different from those terms and conditions in the agreements posted below. Please note that we are no longer accepting new applications for PNC Premier Traveler Visa Signature as of February 24th, 2023.
Android and Google Pay are trademarks of Google LLC.
PNC Cash Rewards, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
Visa® is a registered trademark of Visa International Service Association and used under license.
PNC Bank, National Association is the issuer of the PNC Bank credit cards described herein.
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.