PNC Spend Wise

Welcome to Your New PNC Cash Rewards® Credit Card

Learn more about your new credit card benefits, activation, and rewards tracking.

PNC Spend Wise

Your New Credit Card Is Coming This Summer

Here’s What To Know:

What You'll Get

FirstBank consumer credit card customers will receive a PNC Cash Rewards credit card that helps maximize rewards on everyday spending. Credit cards will be shipped June 24 through July 3.

Activating Your New Card

Activate your new credit card when it arrives through the PNC Mobile app, PNC Online Banking, or by calling 1-888-513-4622. When you activate your new PNC Bank credit card, the corresponding FirstBank credit card will be deactivated. On September 15, 2026, your FirstBank credit card(s) will be automatically deactivated.

Activate in the PNC Mobile app or PNC Online Banking

What to Remember

You will need to update any recurring payments you have set up with merchants once you activate your new PNC Cash Rewards credit card. Your account number stays the same, but your credit card will have a new expiration date and 3-digit security code.

Your Account Milestones

Important dates and account updates

June 22

Full access to PNC Online Banking available, including the ability to set up recurring payments

Access to PNC call center available.

Learn more about our hours.

June 24

Credit cards will be shipped June 24 through July 3.

June 25

Unredeemed FirstBank rewards transferred to PNC Cash Rewards cash back balance.

September 15

Activate your new PNC credit card before September 15, 2026. After that date, your FirstBank credit card will no longer be active.

Earn Cash Back on the Purchases You Make Every Day

4%

cash back on gas station purchases

3%

cash back on dining purchases at restaurants

2%

cash back on grocery store purchases

1%

cash back on all other purchases

Earn 4% on gas station purchases, 3% on dining purchases at restaurants, and 2% on grocery store purchases for the first $8,000 in combined purchases[1] in these categories annually.[2] Earn 1% cash back on all other purchases[3] everywhere.

Frequently Asked Questions

On June 25, your unredeemed FirstBank rewards will be transferred to your PNC Cash Rewards cash back balance. You will be able to redeem your rewards any time your cash back balance is at least $25.

Redeem in the PNC Mobile app or in Online Banking anytime you have at least $25 in your PNC Cash Rewards account.*

  • Statement Credit: Redeem your cash back toward your Cash Rewards account statement balance.
  • Direct Deposit: Redeem your cash back directly into any eligible PNC account.

Rewards never expire as long as your account is open.[4]

After your account transitions to PNC Bank, your statement delivery will default to paper statements. You can choose to switch to paperless statements at any time in PNC Online Banking.

Access to the PNC Mobile app and PNC Online Banking is available starting June 22.

Your due date may change after your credit card account transitions to a PNC Cash Rewards credit card account. Please be sure to check the due date and payment instructions on your PNC Bank credit card statements on and after June 19, 2026.

If your FirstBank credit card account is a secured account, it will transition to a PNC Cash Rewards account, which is an unsecured account, on June 19, but the hold on your deposit account was released earlier, on June 3, 2026.

Learn more about additional Visa benefits

The PNC Customer Care Center will be available at 800-964-3444:

  • Monday – Friday, 8:00 am to midnight Eastern Time
  • Saturday and Sunday, 8:00 am to 5:00 pm Eastern Time
  • Fraud and Card Services are available 24/7

A More Streamlined Online Experience

With PNC Online Banking and the PNC Mobile app, you can easily manage your credit card account, view your account summary and transactions, make payments, set alerts, and manage lost or stolen credit cards. You can also view and redeem rewards through PNC Online Banking.