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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

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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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2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 13.99% - 24.99%
Balance Transfer APR  (Variable APR) 13.99% - 24.99%
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 credit card is the right card for you, read on. This review will provide you with with all the details you need 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.
  • Signup bonus. Offers a signup bonus of $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 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 gas 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
  • 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. It has lower than average regular APRs.

It 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 up to 12 months.

PNC Cash Rewards Visa Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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?

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 credit card have a foreign transaction fee?

PNC 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 foreign transaction fees.

What is the customer service phone number for PNC credit card?

The PNC credit card customer service number is (888) 762-2265.

What is the support contact email for PNC credit card?

The support contact email for PNC credit card is info@pnc.com.

How do people rate the customer service and user experience of PNC credit card?

Overall, PNC credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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.

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 Cash Rewards Visa Credit Card

Earn 4% cash back on gas station purchases, 3% cash back on dining purchases at restaurants, and 2% cash back on grocery store purchases for the first $8,000 in combined purchases in these categories annually. You'll earn at least 1% cash back on all other purchases everywhere, every time

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 2:00pm

Other Services by PNC Bank

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View all personal credit cards offered by PNC Bank

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

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 4% Cash Back on Gas up to $8000 annually
  • 2% Cash Back on Groceries up to $8000 annually
  • 3% Cash Back on Restaurants up to $8000 annually
  • 1% Cash Back on Every Purchase
Signup Bonus $100
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 13.99% - 24.99%
Balance Transfer Fee % After Intro Period 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Cashback
  • Gas
Card Network Visa

PNC Cash Rewards Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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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