Cash Rewards® Visa® Credit Card Review
Cash Rewards® Visa® from PNC — all information about the credit card.
Updated May 06, 2025
Good Choose for Gas
Apply now
Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 4% Cash Back on gas station purchases (for the first $8,000 in combined purchases).
- 3% Cash Back on dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases).
- 2% Cash Back on grocery store purchases (for the first $8,000 in combined purchases).
- 1% Cash Back on all other purchases.
- Intro Offer:
- $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:19.24% - 30.24% Variable
- Balance Transfer APR:19.24% - 30.24% Variable
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PNC Cash Rewards® Visa® Rewards Calculator
Your Results
Total yearly earnings
First year rewards
$320
Rest years rewards
$120
Annual fee
$0
Yes, PNC Cash Rewards® Visa® credit card is worth its annual fee!
How to maximize your PNC Cash Rewards® Visa® rewards?
Follow these simple steps to make the most of PNC Cash Rewards® Visa® credit card:
- Spend more on Gas
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with PNC Cash Rewards® Visa®.
Your net profit in the first year
$320
x119
Your net profit in subsequent years
$120
x44
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You will receive $320 in the first year
Where you get the most profit
- Gas
- Dining
- Groceries
- All other purchases
- Into bonus
Gas
$48
Dining
$36
Groceries
$24
All other purchases
$12
Into bonus
$200
Total
$320
Annual fee
$0
Net yearly credit card profit
$320
You will receive $120 in the rest years
Where you get the most profit
- Gas
- Dining
- Groceries
- All other purchases
Gas
$48
Dining
$36
Groceries
$24
All other purchases
$12
Total
$120
Annual fee
$0
Net yearly credit card profit
$120
All benefits
- Cash back
- 4% On gas station purchases (for the first $8,000 in combined purchases).
- 3% On dining purchases at restaurants, including fast food (for the first $8,000 in combined purchases).
- 2% On grocery store purchases (for the first $8,000 in combined purchases).
- 1% On all other purchases.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 19.24% - 30.24% Variable
- Intro Balance Transfer APR
- 0% Introductory APR for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening
- Balance Transfers APR
- 19.24% - 30.24% Variable
- APR for Cash Advances
- 30.24% Variable
- How to Avoid Paying Interest
- Your due date is at least 21 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days following account opening. After that, either $5 or 4% of the amount of each balance transfer, whichever is greater
- Fees for Cash Advances
- Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty Fees
- 34.24%
- Return Payment
- Up to $38
- Late Payment
- Up to $38
Pros & Cons
Pros:
- No Annual Fee
- Intro APR period on balance transfers
Cons:
- Foreign Transaction Fee
Features
- No Annual Fee
- Cashback
- Payment Flexibility
- Fraud Protection
- Rewards
- Purchase Protection
- Good Credit
- Excellent Credit
About the issuer
PNC has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Good to Excellent (670-799)
- $0Annual Fee
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Recommended credit score
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- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
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- NonePurchase Intro APR
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See Another Credit Cards in the Bank
PNC Cash Rewards® Visa® is an option for those, who need Classic features. With an APR of 19.24% - 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With PNC Cash Rewards® Visa® you will get such features as No Annual Fee, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
First Progress Platinum Prestige Mastercard® Secured Credit Card
Recommended credit score
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- $49Annual Fee
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- NonePurchase Intro APR
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