With the PNC Cash Rewards® Visa® Credit Card, you can take advantage of their $100 Bonus Cash rewards! Earn the bonus when you spend $1,000 or more within the first three months of opening your account.
Although it’s not the best bonus offered, the PNC Cash Rewards® Visa® Credit Card lets you earn 4% cashback on gas station purchases, 3% cashback on dining purchases at restaurants including fast food and 2% cashback on grocery purchases for the first $8,000 combined purchases in these categories annually.
As well as earning 1% cashback on all other purchases everywhere and every time! It is a good low cost card, if you’re just looking into simple rewards. In addition to great cashback offers, this card also comes with no rotating categories and no annual fee!
* The PNC Cash Rewards Visa Credit Card is issued by PNC Bank. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
Table of Contents
PNC Cash Rewards Card
|Bonus Available||Get a $100 bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening. This offer is only valid when you apply directly with PNC.|
|Ongoing Rewards/Benefits||4% cash back on gas station purchases.*
3% cash back on dining purchases at restaurants.*
2% cash back on grocery store purchases.*
1% cash back on all other purchases.
|Foreign Transaction Fees||3%|
*Capped at $8,000 in combined purchases annually. Then the rate falls to 1% cash back.
- No annual fee
- Welcome bonus
- High rewards rates
- Simple rewards
- Limited availability
- Good-Excellent credit needed to qualify
- Capped rewards
- Minimum redemption requirement
- Foreign transaction fees
Editor’s Alternate Pick
PNC Cash Rewards Card $100 Bonus Offer
PNC Cash Rewards card is offering a $100 bonus offer when you charge at least $1,000 to your card within the first three billing cycles after opening your account.
This offer is only valid when you apply either online at PNC.com, at a PNC Bank branch, or if you call 1-800-762-5684.
|• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well.|
|• Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.|
|• Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't.|
|As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.
Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.
Earning PNC Cash Rewards
The PNC Cash Rewards card’s best feature is its generous earning rates:
- 4% cash back at gas stations (in store and at the pump)
- 3% at restaurants (from fine dining to fast food)
- 2% at grocery stores (superstores and warehouse stores not included)
- 1% on all other purchases
However, the card’s drawback is its cap on bonus categories. The rates – 4%, 3%, 2% – only apply to your first $8,000 in combined purchases every membership year. So after you hit $8,000, the bonus rates drop to 1%.
Redeeming PNC Cash Rewards
Once you’ve collected at least $25 in PNC Cash Rewards, you can:
- Use it as a statement credit
- Deposit it directly into a PNC Bank account
Your rewards won’t expire as long as your account is in good standing. Take as much time as you want hitting the minimum redemption requirement.
PNC Cash Rewards Card Availability
The PNC Cash Rewards card is only available to residents in the same states where PNC bank operate:
- District of Columbia
- New Jersey
- New York
- North Carolina
- South Carolina
- West Virginia
The PNC Cash Rewards® Visa® Credit Card is a good option if you’re looking for an inexpensive card for your routine purchases! As long as you don’t over $8,000 a year on gas, dining and groceries, you’ll find great value in PNC Cash Rewards.
But if you’re a big spender, consider another cashback card. Preferably one with a higher limit or unlimited rewards on its bonus categories. For more credit cards, see our latest list of other PNC Bank Promotions or the best credit card bonuses!
(Visit PNC.com to learn more about this card.)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Who’s the Competition?
Other Cash Bonuses
The Capital One® Quicksilver® Cash Rewards Card offers a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening.
You'll be able to earn an unlimited 1.5% cash back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card.
The Capital One® SavorOneSM Cash Rewards Credit Card offers a one-time $150 cash bonus after spending $500 on purchases within the first 3 months from account opening.
You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees.
The Blue Cash Everyday® Card from American Express offers $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
You'll earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, and 1% back on other purchases.
There are no annual fees with this card (See Rates & Fees).
The American Express Cash Magnet® Card offers $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
You'll earn unlimited 1.5% Cash Back on your purchases; your cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
The card has no annual fee. (See Rates & Fees).
|Chase SapphireSM Checking||$1,000 Cash||Review|
|Chase Private Client||$2,000 Cash||Review|
|Chase Total Business Checking®||$200 Cash||Review|
|Chase Premier Plus CheckingSM||$300 Cash||Review|
|Chase Total Checking® + Chase SavingsSM||$350 Cash||Review|
|CIT Bank Savings Builder||$300 Cash||Review|
|Discover Bank Online Savings||$200 Cash||Review|
|Chase College CheckingSM||$100 Cash||Review|
|You InvestSM by J.P. Morgan||$625 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|Discover Cashback Debit Account||$360 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|
|UFB Direct High Yield Savings||2.00% APY||Review|
|Betterment EverydayTM Cash Reserve||1.78% APY||Review|
|Ally Invest||$3,500 Cash||Review|
|TD Ameritrade||$600 Cash||Review|