PNC Cash Rewards Visa Credit Card

PNC Cash Rewards Visa Credit Card Review

This is a cashback card issued by PNC Bank. If you're wondering whether PNC credit card is the right card for you, read on.

Key Takeaways

• 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.
• Signup bonus. Offers a signup bonus of up to $100 if you spend $1000 within 3 months.
• Competitive APRs. PNC Cash Rewards Visa Credit Card has a variable 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.
• 3% Balance transfer fee. PNC Cash Rewards Visa Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 90 days of opening the account. 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 3% every time you make a transaction outside the U.S.
• Gas rewards. 4% cashback on eligible fuel purchases.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of PNC credit card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No annual fee. Identity Theft Protection. PNC Cash Rewards Visa Credit Card reports to multiple credit bureaus.	Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee, if you transfer the balance within 90 days of opening the account. After the introductory period, the fee is 4% of the balance transferred or $5, whichever is greater. Does not include many credit card benefits.

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.

What are the PNC credit card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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.

What are the fees for PNC credit card?

The following fees apply:

PNC credit card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

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 Cash Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, 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 may help improve your credit.

How to apply for PNC credit card

• Visit the PNC 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.