The Cash Rewards Visa Credit Card from PNC Bank has an introductory offer of: $100 bonus cash when at least $1,000 is spent in the first 3 billing cycles. Even though it’s not the best bonus there is to offer, it is still a good offer for a no annual fee credit card. The Chase Freedom card even gives you a cash bonus that has no annual fees included.
PNC Cash Rewards is an excellent low priced credit card to own. It will offer you some competitive 4% cash back on gas, 3% cash back for dining, and 2% cash back for grocery expenses. Using their redemption program it makes it fairly simple to use.
But the PNC Cash Rewards isn’t eligible for everyone to apply. In other words, people who reside in the states that PNC Bank operates will be able to qualify for this credit card offer.
PNC Cash Rewards Card Quick Facts
| Bonus Available | Receive a $100 bonus after spending at least $1,000 in purchases in the first 3 billing cycles of opening your account. It will only work if you apply directly with PNC. |
| Bonus Value | $100 |
| Ongoing Rewards/Benefits | Earn 4% cash back on gas station expenses.
Gain 3% cash back on dining purchases at restaurants. Receive 2% cash back on grocery store expenses. Gain 1% cash back on other eligible expenses. |
| Foreign Transaction Fees? | 3% |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested see our list of PNC Bank bonuses for Checking & Savings accounts.*
Pros
- No annual fee
- Welcome bonus
- High rewards rates
- Simple rewards
Cons
- Limited availability
- Good-Excellent credit needed to qualify
- Capped rewards
- Minimum redemption requirement
- Foreign transaction fees
Editor’s Alternate Pick
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
PNC Cash Rewards Card $100 Bonus Cash Offer
Make use of the PNC Cash Rewards card’s introductory bonus offer of: $100. You must charge your card with a minimum of $1,000 in the first 3 billing cycles of opening your account to be able to qualify for this credit card offer.
You will only be able to use this offer if you apply through: PNC.com, at a PNC Bank branch, or by calling 1-800-762-5684.
Here are some ideas on meeting the spending requirement:
Earning PNC Cash Rewards
With this PNC Cash Rewards card, their best features offered with this card are its earning rates of:
- 4% cash back at gas stations (in store and at the pump)
- 3% cash back at restaurants (from fine dining to fast food)
- 2% cash back at grocery stores (superstores and warehouse stores not included)
- 1% cash back on all other expenses
However, a major setback for this card will be the cap on its bonus options. These rates will only be available for you to use for the first $8,000 spent altogether for every year that you are a member. In other words, this means that an average of $667 is spent every month for things like gas, dining, and grocery expenses. Once you reach the $8,000 mark, your bonus rates will decline to 1%.
Redeeming PNC Cash Rewards
Redeeming your PNC Cash Rewards is really easy. After you’ve built up a minimum of $25 in rewards points, you can use them towards:
- Statement credit
- Depositing directly into a PNC Bank account
The PNC Cash Rewards will not expire if your account has no issues. This would mean that you don’t have to rush to get to the minimum requirement for redeeming your points.
PNC Cash Rewards Card Availability
The PNC Cash Rewards credit card is limited to certain areas where PNC Banks are located, such as:
- Alabama
- Delaware
- District of Columbia
- Florida
- Georgia
- Kentucky
- Indiana
- Ohio
- Pennsylvania
- Illinois
- Maryland
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- South Carolina
- Virginia
- West Virginia
- Wisconsin
Bottom Line
If you want a low priced credit card for your daily expenses, then the PNC Cash Rewards Visa card is an excellent choice. Remember, that you cannot go over the spending limit of $8,000 each year on gas, dining, and grocery shopping purchases. This PNC Cash Rewards card is a good value credit card to own.
However, this card will not be a good fit for you if you spend a lot of money. You would want to look into a different cash back credit card that will offer you a bigger limit or unlimited rewards for their bonus options.
(Visit PNC Bank for more information)
What’s the Competition?
Here are some of PNC Cash Rewards Visa credit card’s top competitors listed below.
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. 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 Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
