PNC Cash Rewards Visa Credit Card Review

If you already have a bank account with PNC, you need this card. A simple way to get cash back where you spend most.

Written by : Updated On: September 6

The basics

Reward Rate:








All other purchases


2% – 4% cash back for first $8,000 in purchases using your card.

1% cash back always.

Redeem your cash back at any time, if you have at least $25 in the account.

Your cash back never expires if the account is open.

Get it as a statement credit or deposit into a PNC account.

Key Features:

Annual Fee


Intro APR

18.74% - 29.74%

Regular APR

18.74% - 29.74%

Signup Bonus


0% intro APR on balance transfers for the first 12 billing cycles if transfer is made in the first 90 days after account opening.

Redemption Ways


Statement credit or deposit into PNC account when there is at least $25 in the Cash Rewards account.

Our Verdict

The PNC Cash Rewards Visa Credit Card is a great intro card, especially for people that already bank with PNC. Four percent back on gas stations is a helpful way to offset high gas prices and 3% back on dining makes date nights a little easier. This card comes with no annual fee, but does have foreign transaction fees and overdue payment fees. We recommend using this card domestically and staying on top of your payments.

Best Suited for:



Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.

Hidden perks

The biggest perk with this card is a tiered approach to cash back that emphasizes gas purchases. A lot of cash back cards have high percent back for dining or groceries but have gas purchases at a lower tier.

Pair this card with:

Delta SkyMiles® Gold American Express Card


This card would go great with a points-based card from an airline or hotel company, like the Delta American Express or Marriott Bonvoy from Chase. You can collect and use points for airfare or hotels and get cash back with the PNC Cash Rewards Visa on dining and gas while on your trip.

Apply for Delta SkyMiles® Gold American Express Card

Beyond the basics

Balance Transfer Intro APR

0% for the first 12 billing cycles when the balance is transferred within 90 days (about 3 months) of account opening

Cash Advance APR

25.24% – varies based on prime rate

Foreign Transaction fee

3% of each transaction in U.S. dollars

Loan APR

14.24% – 25.24%

Late Payment fee

Up to $38

Penalty APR

29.24% – varies based on prime rate

Credit Score required


Other Offers

Agents are available 7 days a week to assist you.

Complete purchases through contactless payment.

Easily manage your transactions, rewards, balances, and payments online.

PNC offers built-in security, privacy, and fraud protection.

You are never held responsible for unauthorized purchases on your account. Your money will be replaced promptly after notifying us of the charges.

If you have lost your credit card, lock it easily in real time.

Cashback Example

The average American spends around $200 on gas each month. If you purchased gas with this card, you could get $8 of that back, or $96 per year on gas alone. Every little bit helps, especially when gas prices are on the rise.

High cash back on gas2% - 4% cash back for purchases up to $8,000 per year can be limiting for higher spenders
No annual feeForeign transaction fees
Easy to open and use with a PNC bank account

Apply now