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PNC Cash Rewards® Visa® Credit Card

Credit needed
Good
APR
12.99% to 22.99%
Annual Fee
$0

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

Issuer Name
PNC
Penalty APR
28.99%
Credit Needed
Good
Balance Transfer Fee
Balance Transfer Intl APRFor 12 Billing Cycles, 0%*Balance Transfer FeeFor 90 days, Intro: 3% (Min. $5); then, 4% (Min. $5)
Annual Fee
$0
Cash Advance Fee
5%, Min: $10
APR
12.99% to 22.99%
Foreign Transaction Fee
3%
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The Best Features

High potential for rewards Balance transfers are eligible for a zero percent APR. Cardholders receive a 12-billing cycle of 0% interest on all balance transfers that were made within the first 90 days.

The APR for balance transfers and purchases is variable from 12.99% to 22.99% based on the prime rate. Balance transfers within the first 90 days after opening an account are subject to a $5 or 3% balance transfer fee.

The balance transfer fee rises to either 4% or $5 after that time. There is no annual fee for this card

Rewards

Sign up bonus

APR Requirements

Drawbacks

New purchases are not eligible for an APR discount.

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

Benefits

Identity and credit fraud protectionProtection against zero-liability fraud.

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.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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