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.
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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.|
|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%|
*If interested see our list of PNC Bank bonuses for Checking & Savings accounts.*
- 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
The Chase Freedom Flex offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
• 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% 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. You'll be able to new 5% categories each quarter!
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:
|• Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review.|
|• Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank.|
|• Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay.|
|• Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees.|
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:
- District of Columbia
- New Jersey
- New York
- North Carolina
- South Carolina
- West Virginia
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 a one-time $200 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 SavorOne Cash Rewards Credit Card offers a one-time $200 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, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target, plus 1% on all other purchases.
This card comes with no annual fee and no foreign transaction fees.
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