PNC Cash Rewards® Visa® Credit Card
You can earn 5 points for 1 dollar spent on the PNC points Visa Business Credit Card. You can collect points and combine business and personal points
Card Summary
Cardholders of the PNC Cash Rewards Visa Credit Card can get up to 4% cashback. For the 12 first billing cycles, you won't have to pay an annual fee.
You also get a 0% APR for qualifying balance transfers. The APR for balance transfers and purchases is variable from 12.99% to 22.99% based upon prime rate.
Card Summary - Cons
Rates and fees
Highlights
100 percent bonus if you spend $1,000 or more during your first three billing cycles after account opening Every purchase will earn you at least 1% cashback. For the first $8,000 combined purchase in each of these categories, you will earn 2% back on groceries and 3% for dining at restaurants. Cashback is automatically earned - you don't need to sign up or follow rotating categories.
Balance transfers are eligible for a 0% intro APR, provided the balance has been transferred in the 90-day period following account opening. Based on creditworthiness, variable APR is applied to balance transfers.
The market's prime rate is used to determine this rate. Variable APR for purchases: currently between 12.99% and 22.99% depending on creditworthiness. The market's prime rate is used to determine this rate. There is no annual charge
Comparative Analysis with Other Cards
Citi Double Cash Card vs. PNC Cash Rewards Visa Credit Card - 18 Month BT Offer
Annual fees: There is no annual fee for either card.
Rewards: With the PNC Cash Rewards Visa Credit Card, you get 4% cashback on gasoline, 3% cashback on dining and 2% cashback on grocery purchases. You also receive 1% cashback on all other purchases. Bonus earning rates apply to the $8,000 combined bonus categories purchases in a given year.
Citi Double Cash Card – 18 Month BT Offer: Get 1% Cash Back on Every Purchase, plus an additional 1% when you pay for the purchase. You don't have to spend more than you can afford.
Sign up bonus: Cardholders of the PNC Cash Rewards Visa credit card can receive a $100 bonus if they spend $1,000 or more during their first three billing cycles. Citi Double Cash Card – 18-month BT Offer does not offer a sign up bonus.
Benefits: PNC Cash Rewards Visa Credit Card has zero dollar fraud liability coverage. Citi Double Cash Card – 18 Month BT Offer - You automatically get membership to Citi Entertainment and Citi Identity Theft Solutions.
PNC Cash Rewards Visa Credit Card vs. Chase Freedom Flex
Annual Fee: There is no annual fee for the card.
Rewards: Cardholders of the PNC Cash Rewards Visa Credit Card receive 4% cashback on gasoline, 3% cashback on dining and 2% cashback on grocery purchases. All other purchases are eligible for 1% cash back. Bonus earning rates apply to the $8,000 first year combined purchase in bonus categories.
Chase Freedom Flex cardholders receive 5% cashback on purchases up to $1500 in combination bonus category purchases each quarter they activate. Chase Ultimate Rewards offers 5% for Chase travel purchases, while Chase Dining and Drugstores gives 3%. All other purchases are 1%.
Sign up bonus: Cardholders of the PNC Cash Rewards Visa credit card can receive a $100 bonus if they spend $1,000 on purchases within their first three billing cycles. After you have spent $500 in the first three months of opening an account, your Chase Freedom Flex card will give you a $200 bonus. You can also earn 5% cashback on groceries (not Target, Walmart), and up to $12,000 in your first year.
Benefits: The PNC Cash Rewards Visa Credit Card offers benefits such as protection against identity or credit fraud. Chase Freedom Flex cardholders have access to no-liability protection and extended warranty coverage, as well as purchase protection.
Conclusion
Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.
