What you get
Rewards and benefits
How it earns
Earn 1% cash back on all other purchases everywhere. 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 in these categories annually. 4% cash back on gas station purchases 2% cash back on grocery store purchases
- Cash back in everyday categories
- Introductory offers may be available
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileGood to excellent credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. PNC Bank makes every lending decision.
- Annual fee and first-year pricing
- $0 Annual Fee **
- Purchase APR
- 0% intro APR for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 18.74% to 28.74%, based on creditworthiness. This APR will vary with the market based on the prime rate. **
- Introductory APR and duration
- 0% intro APR for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 18.74% to 28.74%, based on creditworthiness. This APR will vary with the market based on the prime rate. **
- Balance transfers and fees
- Plus, a special intro offer on qualifying balance transfers 0% intro APR for the first 15 months following account opening when the balance is transferred within the first 90 days following account opening. Then a variable APR, currently 18.74% to 28.74%, based on creditworthiness. This APR will vary with the market based on the prime rate. **
- Redemption options and restrictions
- Rewards never expire as long as your account is open. * Direct Deposit : Redeem your cash back directly into any eligible PNC account. Statement Credit : Redeem your cash back toward your Cash Rewards statement balance. With PNC Online Banking and the PNC Mobile app, you can enjoy access to your credit card accounts including checking on your account summary, managing transactions, transferring funds, servicing, setting alerts or redeeming rewards.
- Statement credits and enrollment
- Redeem in the PNC Mobile app or in your Online Banking account any time you have at least $25 in your PNC Cash Rewards account. * Statement Credit : Redeem your cash back toward your Cash Rewards statement balance. Direct Deposit : Redeem your cash back directly into any eligible PNC account. Rewards never expire as long as your account is open. *
Conditions to know
- Bonus-category caps and merchant definitions apply.
- Current pricing and promotional terms should be confirmed with PNC.
- Rewards are governed by the issuer program agreement.
Recorded from PNC Bank’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the PNC Cash Rewards® Visa® Credit Card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
