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% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% 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%.
• Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
• Gas rewards. Earn up to 4% for every $1 you spend on gas.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Has an introductory APR rate on balance transfers of 0%. 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%. 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.

PNC Cash Rewards Visa Credit Card Balance Transfers

Description
Balance Transfer APR	14.74% - 24.74%
Introductory Rate	0%
Intro APR period (months)	12

PNC Cash Rewards Visa Credit Card Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	14.74% - 24.74%
Credit Limit	N/A
Penalty APR	30.74%
Cash Advance APR	24.74%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the PNC Cash Rewards Visa Credit Card fees?

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%
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 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.