PNC Cash Rewards® Visa® Credit Card Reviews

Approval Odds

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3.1 out of 5 stars
24 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

3 out of 5 stars

3 5

Card Details

  • Balance Transfer Intro APR 0%* for 12 Billing Cycles
  • Balance Transfer Regular APR 14.99% to 24.99%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 14.99% to 24.99%* Variable

5 star reviews (9) See All

These reviews were written by current and former cardholders in the last year.

Jul 31, 2019
Best Credit card i have
JazzyTay57 Cardholder

I've banked with PNC since college. Every time i called in they offered me this card and i finally said yes. i belive i got approved with 670 credit score. Literally the best credit card i have because i can see my balance every time i log onto virtual wallet where i manage my debit account. when i want to pay my credit card bill i  just transfer money to it, its that sinple! also racking up that cash back helps as well. 

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Jul 08, 2019
pnc rocks
idakno Cardholder

they been badgering me for years to get a card i finally said yes.  Have their virtual wallet and everything is linked together I think it's great

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Jun 25, 2019
Great cash rewards
allllicattt Cardholder

PNC makes it easy to transfer funds to pay off credit card charges. The 4% cash back on gas really adds up.

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Jun 13, 2019
Love it
Finery90 Cardholder

You don't really own a credit card! Anyway, this is the best no annual fee card I have. Great rewards and service. I have no other PNC accounts. I've had no problem paying online using an external account, easily added on their website. 

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Mar 29, 2019
Great card for earning cash on purchases

I have seen some bad reviews regarding customer service for this card and thought i would add my two cents. I have noticed the bad reviews come from non-pnc account holders which seems to be where the issues arise. Ipersonally had no problem activating my card and setting up online payment. I am also a pnc account holder, so it took about ten minutes or less to connect my card to my online banking app. Its super easy and convinient to use and manage. Perhaps pnc needs to work out the bugs for anyone who doesnt have a pnc account and this card would be much more attractive. But for me the process was flawless from approval to activation, 5 stars.

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Mar 15, 2019
Good Rewards, No 0% APR
Jago22 Cardholder

4/3/2/1% cash back.   nice card

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Feb 10, 2019
Best Rewards Card Hands Down
PNClovers Cardholder

With no annual fee, you simply cannot beat the 2%, 3%, & 4% cash back rewards for up to $8000 in annual combined total (from application date to anniversary) with 1% on all any purchases not in the other 3 catagories, as well as 1% on everything after you reach the $8000 annual cap.  Even better are the rotating offers that simply need to be activated to get additional savings/cash back on a wide variety of rotating stores, eateries, and retail/online purchases at places most people frequent already.  If they have an additional 10% discount at an eatery you frequent, that actually means you are getting your 3% cash back, plus the 10% savings on a specified maximum purchase amount.  Combined that equates to 13% cash back as the additional rotating rewards you can activate are then posted to your cash back total in the very next billing cycle.  It is amazing how fast the cash back accumulates.  There is a $25 minimum to redeem cash back, however that is EASY to reach with rewards up to 4% on things like gas you buy anyhow.  This card is truly my GO TO card above my Amex and Discover just because of the amazing cash back & no annual fee.  Get this card, you won’t regret it!

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Feb 10, 2019

Do you live in an area where PNC has bank branches?

Feb 13, 2019

This sounds like a paid review

Feb 14, 2019

How much is the welcome bonus? The PNC Bank official website shows that the welcome bonus is 100. there are different!

Feb 19, 2019

I have this card and I love this card! I get money back for everything I buy. I always pay on time and never have a balance, this card benefits me. They basically pay me to have this card

Mar 03, 2019

Sounds like an employee wrote that. No normal customer would talk that professional and use so much jargon. Just saying...

Mar 20, 2019

Fake review!

Feb 04, 2019
Gogomaster2203 Cardholder

Great reward for a card without annual fees 

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Feb 05, 2019

What was your score when you got approved?

Feb 14, 2019

How much is the welcome bonus? The PNC Bank official website shows that the welcome bonus is 100. there are different!

Jan 17, 2019
Excellent Rewards Rate
Rsmy123 Cardholder

2% to 4% categories apply for the first $8,000 in those categories per year. For instance, you can spend up to $8,000 per year combined for the 2%, 3%,and 4% categories. After that, its 1%. Year starts when you apply until your anniversary date, and then the $8,000 resets. Plus they have deals (10% off at Chili's, 10% off at Petco, etc.) that you have to activate. So if you take advantage of the 10% off at Chili's deal, you get 10% off plus you still get the 3% off for dining. And 4% gas is hard to beat. Need to accumulate $25 in rewards in order to redeem but the $ you get with deals count towards the $25. Deal $ are paid the following month. All in all, pretty sweet.

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Jan 23, 2019

Can you please post your data points ie. FICO and CK scores. CK is giving me “good” approval odds but my scores are only in the higher 600’s. Heard this card isn’t that easy to get but maybe they’re doing an expansion push. Not worth the HArd pull w/o some more info. Sure be helpful to others.

Thx! And congrats on the approval.

Jan 24, 2019

I don't check scores often at all outside of CK, but Transunion and Equifax were around 830 at the time. Not sure what Experian was since CK doesn't post. CL is 17,500, hasn't changed since account opening. I also have a bank account with them. They used to have a requirement of having to live in their banking region to get the card, but maybe they lifted that since it now shows on CK, so it may be easier to get now. It was not listed on CK at the time I opened. Got the card in July 2017. Looks like my last 5 hard pulls occurred with Experian only, CK is showing only 1 hard pull in the last 2 years with both bureaus, which I know they had to go somewhere.

Apr 02, 2019

Credit karma doesn't have your true scores. They're fake scores. Thought everyone knew that. The fico... predominantly the Fico 8 is what counts

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PNC Cash Rewards® Visa® Credit Card