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  PNC Cash Rewards Visa Credit Card

PNC Cash Rewards Visa Credit Card

in Personal Credit Cards from PNC Bank

Unaffiliated

PNC Cash Rewards Visa Credit Card

Unaffiliated

in Personal Credit Cards from PNC Bank

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 14.74% - 24.74%
Balance Transfer APR  (Variable APR) 14.74% - 24.74%
Credit Score Range 650 - 850
Annual Fee $0

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.

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.

PNC Cash Rewards Visa Credit Card Balance Transfers
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.
PNC Cash Rewards Visa Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 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.

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...

Availability

  Available in 21 states and Washington, D.C.
  • 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
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $38
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type
  • Cashback
  • Gas
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
Cash Advance APR (Variable APR) 24.74%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 30.74%
Purchase APR (Variable APR) 14.74% - 24.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.74% - 24.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

PNC Cash Rewards Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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