Summary of CashBuilder® Rewards Program

Important Information About the PNC CashBuilder Credit Card Rewards Program
The following is a summary of the PNC CashBuilder Credit Card reward program. For more details, please refer to the full terms and conditions for the reward program.

Earning Rewards

Your First Billing Cycle: You will earn Rewards of 1.75% of the amount of Net Purchases you make during the first Billing Cycle after your CashBuilder Account is opened. In subsequent Billing Cycles, you will earn Rewards as follows:
Tier 1: If you make $1,999.99 or less in Adjusted Purchases on your CashBuilder Account in a Billing Cycle, you will earn Rewards of 1.25% of the amount of Net Purchases you make in your next Billing Cycle.
OR
Tier 2: If you make $2,000.00 through $3,999.99 in Adjusted Purchases on your CashBuilder Account in a Billing Cycle, you will earn Rewards of 1.50% of the amount of Net Purchases you make in your next Billing Cycle.
OR
Tier 3: If you make $4,000.00 or more in Adjusted Purchases on your CashBuilder Account in a Billing Cycle, you will earn Rewards of 1.75% of the amount of Net Purchases you make in your next Billing Cycle.
OR
Tier 4: If, as of the last day of a Billing Cycle, you have a Qualifying Performance Deposit Account, you will earn Rewards of 1.50% of the Net Purchases you make in your next Billing Cycle.
OR
Tier 5: If, as of the last day of a Billing Cycle, you have a Qualifying Performance Select Deposit Account, you will earn Rewards of 1.75% of the Net Purchases you make in your next Billing Cycle.

Each Billing Cycle you will earn Rewards at the highest Reward tier for which you qualify. If the PNC CashBuilder Visa account is in the name of more than one individual, all such individuals must be owners of the checking account in order to earn Rewards at Tier 4 or Tier 5.

Qualifying Deposit Accounts

A Qualifying Performance Deposit Account is a PNC Bank Performance Checking Account or PNC Bank Virtual Wallet with Performance Spend in which you maintain (1) an average monthly balance of $2,000 or more in such Qualifying Performance Deposit Account (for Virtual Wallet with Performance Spend, the balance must be in the Spend and/or Reserve accounts), or (2) a combined average monthly balance of $15,000 or more in such Qualifying Performance Deposit Account and any linked consumer Free Checking, Standard Checking, Performance Checking, savings, certificates of deposit, money market, line of credit, auto or home equity installment loan, mortgage loan or investment accounts for which you are an account owner, or (3) a qualifying aggregate monthly direct deposit (such as payroll, pension or Social Security) of $2,000 or more into such Qualifying Performance Deposit Account (for Virtual Wallet with Performance Spend, the deposit must be made into the Spend account), in the period covered by the most recent monthly statement issued to you for each such Qualifying Performance Deposit Account on or prior to the last day of the applicable Billing Cycle. If the CashBuilder Account is in the name of more than one individual, all such individuals must be owners of the PNC Bank Performance Checking Account and/or the PNC Bank Virtual Wallet Performance.

A Qualifying Performance Select Deposit Account is a PNC Bank Performance Select Checking Account or a, Virtual Wallet with Performance Select, in which you maintain (1) an average monthly balance of $5,000 or more in such deposit account and/or any linked Free Checking, Standard Checking or Performance Select Checking accounts or (2) a combined average monthly balance of $25,000 or more in such deposit account and any linked Free Checking, Standard Checking, Performance Select Checking, Virtual Wallet with Performance Select, savings, certificates of deposit, money market, or investment accounts for which you are a signer (other than as an agent) in the period covered by the most recent monthly statement issued to you for each such Qualifying Performance Select Deposit Account on or prior to the last day of the applicable Billing Cycle. If the CashBuilder Account is in the name of more than one individual, all such individuals must be owners of the PNC Bank Performance Select Checking Account and/or the PNC Bank Virtual Wallet with Performance Select.

Redemption: Rewards will accumulate and can be redeemed when the value reaches $50. The Rewards can be credited to your checking, savings or CashBuilder Account within 5-7 business days after your redemption request is received.

Terms Used: As used in the description of the CashBuilder reward program, "Rewards" means the cash back rewards you can earn in the CashBuilder reward program. "Billing Cycle(s)" means a billing cycle or billing cycles of your CashBuilder Account. "Net Purchases" and "Adjusted Purchases" do not mean every transaction you may make with your credit card. Some transactions, such as purchases of gift cards or other cash equivalents, purchases made with convenience checks, cash advance transactions and balance transfers are excluded. For details on what transactions are excluded when we use these terms, please see the full terms and conditions for this reward program. For purposes of determining average monthly balances and combined average monthly balances, linked accounts are those accounts that have been linked to a Qualifying Performance Deposit Account or Qualifying Performance Select Deposit Account to waive monthly service fees. See your Consumer Schedule of Service Charges and Fees applicable to deposit accounts for a definition of "qualifying aggregate monthly direct deposit."

The Annual Percentage Yield (APY) associated with any interest bearing PNC Bank checking or other deposit account referenced above is a variable rate subject to change, and varies by market and product type. Fees may reduce earnings. Visit the Interest Rate Center on pnc.com, or any PNC Bank branch or call 1-877-CallPNC (225-5762) to obtain APY information in your market.

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Important Information About Rates and Fees

Rewards Program Terms and Conditions

Need Help?

Call 1-800-762-5684

  • Mon - Fri: 7am - 10pm ET
  • Sat - Sun: 8am - 5pm ET

Ways to Apply

  • Online through the website

  • By phone

    Call 1-800-762-5684

    • Mon - Fri: 7am - 10pm ET
    • Sat - Sun: 8am - 5pm ET
  • In person at a branch

  • Offline through a printable application to mail or fax.

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CashBuilder is a registered mark of the PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC