Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.99% - 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.99% - 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
PNC Cash Rewards Visa Credit Card Review
This 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- Signup bonus. Offers a signup bonus of up to $100.
- APRs: PNC Cash Rewards Visa Credit Card has a variable regular purchase APR that ranges from 13.99% up to 24.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. PNC Cash Rewards Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of PNC credit card
| The Good | The Bad |
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PNC credit card FAQ
Does PNC credit card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for PNC credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.PNC Cash Rewards Visa Credit Card has a variable purchase APR that ranges from 13.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 24.99%. It also has a variable cash advance APR of 24.99% .
Note that late payments are subject to an APR of 28.99% 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 credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.99% - 24.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 90 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does PNC credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for PNC credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does PNC credit card have a foreign transaction fee?
PNC credit card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for PNC credit card?
The customer service number for PNC credit card is (888) 762-2265.
How do people rate the customer service and user experience of PNC credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does PNC Cash Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, PNC Cash Rewards Visa Credit Card reports to the following credit bureaus:
- 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 may help build your credit.
Does PNC Bank perform a hard credit pull?
Yes, PNC credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for PNC credit card
- Visit the website of PNC credit card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from PNC credit card
Hours of Operation
Sunday
Closed
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 5:00PM
Other Services by PNC Bank
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3
5 Reviews
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Other Credit Cards from PNC Bank
Rating not yet determined
Purchase APR
19.24% - 30.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 30.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
10.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
10.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$85
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
PNC Cash Rewards Visa Credit Card Community Reviews
Would you recommend PNC Cash Rewards Visa Credit Card to your friends?
BW
Bill W.
Jun 23, 2023
May or may not recommend
The $25 minimum to redeem your rewards is a non-starter. Never had this limitation on any other reward card I've had. Basically have to charge close to $2000 to get your rewards. I'll use it to get the $200 Bonus, then it will sit in a lock box. Really just got it to increase my available credit to push my FICO over 800.
MB
Michael B.
Oct 1, 2021
May or may not recommend
They are highly inflexible...won't work with you in any way on payments...interest rate..fees..terms..nothing..most companies wheel and deal to some extent like giving you a month of interest worth of credit back...reduce your rate and so one...very difficult to get someone on the phone..and when you do..its 2X the amount of verifying your account
VJ
Vincent J.
May 9, 2020
May or may not recommend
In order to use cash back for purchases this card requires $25 to make a cash back which can only be applied as a statement balance. If you have less than a dollar on your balance, then you can not make a payment which means that they push you to use the card more. It's ridiculous and there are far better cards which have greater flexibility and options.
Showing 3 of 3 reviews
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