PNC Cash Rewards Visa Credit Card
in Personal Credit Cards from PNC Bank
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| Balance Transfer APR (Variable APR) | 14.74% - 24.74% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.74% - 24.74% |
| Rewards Rates |
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PNC Cash Rewards Visa Credit Card Review
PNC Cash Rewards Visa Credit Card is a cashback credit card issued by PNC Bank. If you're wondering whether PNC Cash Rewards Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Competitive APRs. PNC Cash Rewards Visa Credit Card has a variable purchase APR of up to 24.74%.
- No annual fee. This is a great options for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. PNC Cash Rewards Visa Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards. Earn up to 4% for every $1 you spend on gas.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
| The Good | The Bad |
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Is there a PNC Cash Rewards Visa Credit Card cash back or rewards program?
No, PNC Cash Rewards Visa Credit Card does not offer a rewards program. PNC Cash Rewards Visa Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.
What are the PNC Cash Rewards Visa Credit Card benefits?
PNC Cash Rewards Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for PNC Cash Rewards Visa Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. PNC Cash Rewards Visa Credit Card has lower than average purchase APRs.PNC Cash Rewards Visa Credit Card has a variable purchase APR that ranges from 14.74% up to 24.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 24.74%. It also has a variable cash advance APR of 24.74% . Note that late payments are subject to an APR of 30.74% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does PNC Cash Rewards Visa Credit Card have an introductory APR offer on balance transfers??
Yes, PNC Cash Rewards Visa Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer APR | 14.74% - 24.74% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 12 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
Does PNC Cash Rewards Visa Credit Card have an introductory APR offer on new purchases??
PNC Cash Rewards Visa Credit Card does not offer an introductory rate on new purchases.What are the PNC Cash Rewards Visa Credit Card fees?
The following fees apply to PNC Cash Rewards Visa Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | up to $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $38 |
| Late Payment Fee | up to $38 |
Does PNC Cash Rewards Visa Credit Card have a foreign transaction fee?
PNC Cash Rewards Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does PNC Cash Rewards Visa Credit Card report your account activity to credit bureaus?
PNC Cash Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for PNC Cash Rewards Visa Credit Card
- Visit the PNC Cash Rewards Visa Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
One PNC Plaza 249 Fifth Ave
Pittsburgh, PA 1522 - Visit Site
Other Services by PNC Bank
Availability
- Alabama
- Delaware
- Washington, DC
- Florida
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Maryland
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Texas
- Virginia
- West Virginia
- Wisconsin
Feature Breakdown
| Every Purchase (Points) | 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 |
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Other Personal Credit Cards
PNC Bank Personal Credit Cards
Balance Transfer APR
13.74% - 23.74%
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
13.74% - 23.74%
Balance Transfer APR
17.74%
Credit Score Range
700 - 850
Annual Fee
$85
Purchase APR
17.74%
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