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.

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.
• Competitive APRs. PNC Cash Rewards Visa Credit Card has a variable purchase APR that ranges from 14.74% up to 24.74%.
• No annual fee. This is a great option 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.

PNC Cash Rewards Visa Credit Card Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No annual fee. Earn rewards on every purchase. PNC Cash Rewards Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee. Does not include many credit card rewards.

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.

What are the fees for PNC Cash Rewards Visa Credit Card?

The following fees apply to PNC Cash Rewards Visa Credit Card:

PNC Cash Rewards Visa Credit Card Fees

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

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.