I have been a PNC banker for a few years and got this card in 2017 while doing some in bank transactions. I absolutely love it! 4% back on gas all the time, 3% at restaurants incl fast food and 2% on groceries. Most cards don't recognize Walmart in the groceries category but this card does, which is huge for me because I primarily do my grocery shopping there. 1% on everything else (standard for cashback cards). They also have bonus cash back rewards where you can earn up to 10% back at certain places (like Little Caesars pizza). You have to manually activate whichever ones you want for that particular month.
I've never had problems with customer service or cashing out my rewards. The card automatically connects to your PNC online banking through virtual wallet (app and web) if you're already a customer. The ease of use is fantastic! I don't have to "schedule" a payment, simply transfer funds from whichever account I want to use to pay. The same with cashing out rewards dollars. Super easy and very convenient. The only thing I can say I would like to see different is the minimum $25 balance needed to cash out. It would be nice if there was no minimum but I know other cards do this as well. Overall I'm very happy with this card and will keep it as a daily spend cashback card.