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The PNC Cash Rewards® Visa® Credit Card is a $0 annual fee PNC credit card that offers unlimited cash back in a variety of categories: 2% on grocery purchases, 3% on restaurant food purchases, and 4% on annual earnings on gas stations. Shopping for the first 8,000. Everywhere, 1% cashback on every purchase. The card comes with a conservative sign-up bonus.
While the $8,000 limit in its bonus category makes this card less competitive for high-end users, it’s a great card for low-end users because of its relatively low cap but relatively high and competitive cash back rewards structure.
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Note that the card is only available in states where PNC operates: Alabama, Colorado, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Missouri, New York. New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia and Wisconsin
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Earn a $200 bonus on purchases of $1,000 or more in the first 3 billing cycles after opening a PNC Cash Rewards® Visa® Credit Card Account. Offers are available upon signup via a link to the PNC.com bonus payout page.
While the spending threshold will be within reach for many cardholders, the minimum spending requirement for the PNC Bank Bonus is slightly higher than other earned rewards cards, such as the Chase Freedom Unlimited®, which allows you to earn an additional 1.5% on all , which you buy (the first 20,000 spent in the first year). Up to) – Price up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on restaurants and drugstores, and 3% on all other purchases. Additionally, many other cards offer slightly more competitive sign-up bonuses that are worth investigating.
One of the best features of the PNC Cash Rewards® Visa® Credit Cards is the points structure that allows lower value users to maximize their rewards.
With this card, the points structure only applies to the first $8,000 in annual gas, dining and grocery purchases. So how do PNC cash rewards work? The points breakdown is as follows:
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Earn 2% on grocery purchases, 3% on restaurant purchases, and 4% on gas station purchases on the first $8,000 in total annual purchases in these categories. Everywhere, 1% cashback on every purchase.
Once you reach the cap of 8,000 per year, all purchases, including gas, restaurant and grocery purchases, will receive 1% cash back. Therefore, this card is especially good for budget users who would not be at risk of going over 8,000 to spend in this category.
As shown in the graph above, the PNC Cash Rewards® Visa® Credit Card is equally competitive with other top cash back cards like the Citi® Double Cash Card and Chase Freedom Unlimited®, with average earnings of $0.020 per dollar. On general consumer behavior. One cash back card that beats PNC Cash Rewards: Visa® Credit Cards is the American Express Blue Cash Preferred® Card, which charges an annual fee.
PNC Cash Rewards® Visa® With the card earning cap in the credit card bonus category, this may be the better choice for you.
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There aren’t many options for accepting or using your prize money, which makes the process quite rigid. There are two options for redeeming the credit:
PNC Cash Rewards can be redeemed at any time after a 25 deposit to your Cash Rewards account at your PNC Rewards Center, which has a higher threshold than some competitors like Chase Bank or Bank of America, which do not have a minimum statement balance. Or a deposit to an account. On the other hand, once you deposit your cash rewards with PNC, they will never run out as long as you have an active account.
The main advantage of the PNC Cash Rewards® Visa® Credit Card is its strong structure, which offers high rewards for most customers, such as gas, restaurant and grocery purchases. However, the card is scattered for added convenience.
A big benefit you can get, however, is an introductory 0% balance transfer APR for the first 12 billing cycles after account opening if the balance is transferred within the first 90 days of account opening. Then the variable APR is 14.24% -25.25%.
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PNC Virtual Wallet® is PNC’s mobile offering for their users. From the app, you can deposit checks, schedule payments, balance your budget, check your credit score, track and transfer funds, pay your credit card, send money through Zelle®, access your rewards center, and much more.
While the app may not be the most fashionable, the level of functionality offered makes it a huge asset for users and can make most trips to physical locations unnecessary. If this is something that appeals to you and your needs, then Virtual Wallet may be perfect for you.
PNC Cash Rewards® Visa® Not sure about credit cards? Here’s how the PNC Cash Rewards® Visa® Credit Cards stack up against some of our favorite cash back cards:
The card allows people to choose 3% cash back in the category of your choice, automatic 2% on grocery and wholesale clubs (up to 500 2,500 / grocery / wholesale club quarterly purchase in the combined preferred category) and unlimited 1% on everything other purchases over $0 annual fee.
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Note that for the 3% and 2% divisions, you’ll only get cash back on the first $2,500 spent per quarter, after that you’ll only earn 1%.
As with the PNC Cash Rewards® Visa® Credit Cards, redemption options are limited: you are limited to a statement credit or transfer to a qualified Bank of America® and Merrill account.
The Citi® Double Cash Card is a great choice for people who value simplicity and are less concerned about optimizing their rewards.
The card has a $0 annual fee and allows you to earn 2% on every purchase with unlimited 1% cash back on purchase and an additional 1% when you pay for that purchase.
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This card requires some math due to PNC’s tiered rewards structure to figure out if you’ll get more cash back than the PNC Cash Rewards® Visa® credit cards, which can be complicated.
Keep in mind that the Citi® Double Cash Card does not have a sign-up bonus, so it may not be the right card for anyone making a lot of money in a short amount of time.
Chase Freedom Flex: It’s one of the best value cash back cards. When used in the most appropriate way, the card can earn better cash rewards than PNC Cash Rewards® Visa® credit cards.
Chase Freedom Flex: Offers a $0 annual fee and allows you to earn up to 5% cash back every quarter up to $1,500 on purchases included in the activated bonuses section. Enjoy a new category of 5% every quarter! Also earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on restaurants and drugstores, and 1% on all other purchases.
Card Posted By Samantha Peltier
Unfortunately, the Chase Freedom Flex: doesn’t offer consistent bonuses for grocery purchases, making the PNC Cash Rewards: Visa: Credit Card a potentially good card for grocery shopping. However, the Chase Freedom Flex card’s 5% rotating category bonus can be very helpful for cardholders who exceed the $1,500 spending limit per quarter.
Also note that the Chase Freedom Flex: Chase Ultimate Rewards: Credit Card. This means rewards earned on the card can be transferred to top Travel Ultimate Rewards credit cards like the Chase Sapphire Reserve.
Card and transfer to one of Chase’s travel partners to redeem for travel with a 25% to 50% bonus or better travel deals.
The PNC Cash Rewards® Visa® Credit Card is great for low-income users who keep no more than $8,000 or want to maximize cash rewards by saving on gas, dining and groceries with this card. Once the cap is reached, the 1% earning rate is less competitive than many other cash rewards cards.
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If you’re someone who easily goes over the $8,000 cap, it’s best to have another cash-back credit card with no reward limit or switch to another card when you hit the annual cap. Finally, if you’re looking for a solid cash rewards card, something like the Citi® Double Cash Card might suit you.
After completing the application, you will receive an immediate response regarding your approval. If approved, your card will arrive within 7 to 10 business days.
Go to your Rewards Center in the PNC app or online and select Redeem. You can only do this if you pay at least 25.
Custom Cash Rewards Credit Cards are independently collected and have not been reviewed or issued by this card issuer prior to publication. Terms and conditions apply to American Express credit card offers. For more information, see americanexpress.com.
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