PNC Cash Rewards® Visa® Credit Card Reviews

PNC Cash Rewards® Visa® Credit Card Reviews
Approval Odds

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3.8 out of 5 stars
39 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3.5 out of 5 stars

Customer Service

3.5 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR 0%* for 12 Billing Cycles
  • Balance Transfer Regular APR 14.74% - 24.74%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 14.74% - 24.74%* Variable
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Most Helpful Positive Review

Aug 23, 2019
Fantastic Rewards Card for PNC Customers
zoenanai Cardholder

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.

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Most Helpful Negative Review

Mar 12, 2019
RJames014 Cardholder

I applied for this card through the credit karma app. I have a 766 credit score and I’m used to being approved within a day of applying for a card. After a couple of days I got a call from PNC where they asked for all of the info that was in my application, and they said they were having trouble verifying my age. They told me to fax a copy of my drivers license. I thought this was strange, but I faxed it. I called back after 3 days to get a status on my application. I was told it was still processing. I asked if this was normal to take so long and the person said yes.  After 10 days of checking my email, spam, and texts, I called again, and I was told that I had been approved. I asked if it was normal to not notify applicants of a status change via email. I didn’t get an answer, but the person on the line apologized. When the card arrived a few days later, I called the number on the card to activate it. I also tried to enroll in PNC online as described in the packet that came with the card. I was unable to enroll because I didn’t have a PNC online access PIN. I called the PNC help number again, and there was no option on the computer system to obtain an online access PIN. After the computer system asked me for my SSN for the 5th time for some reason, I finally talked to a human. She told me that you have to call to obtain the online access PIN. It would be nice if that info was in the packet that came with the card. She generated a pin and told me I have to use it within 15 minutes. I tried to use it immediately but discovered that the PNC app is extremely glitchy. As I filled in one field, another field would go blank or the info would move from one box to another. The person on the phone asked if I was using the app and I told her I was. She then told me to use the PNC website. I tried to use the website to enroll, but this was also glitchy. I had to wait a second or 2 after each digit I typed for it to appear on the screen. After finally filling in the required info, the system said I entered it incorrectly. I verified the info line by line and tried to enter it again with the same result. I was then told a PIN would be mailed to me. Why wasn’t it mailed to start with? I’m patiently waiting now with very low expectations.

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

Nov 05, 2019
Great for gas and food
MeImNina Cardholder

This card gives a nice touch for gas and food. I like to pull it out when going to the restaurants. 

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Nov 04, 2019
Great rewards. Industry leader.
Scottzzzz Cardholder

Best cash rewards put there.

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Nov 04, 2019
Best Credit Card with a great Bank
CTroy00 Cardholder

I’ve been with PNC for 7 years now. I got the rewards card omg 2017. I love receiving 4% back on gas. Due, to the fact that I drive a lot. So it really helps me. I have and will continue to recommend this card to everyone I know. 

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Oct 30, 2019
Great for cash back, easy to use.
Ziggarillo Cardholder

Love this card, it's actually what kinda got me into credit cards to a degree. Super easy to pay with pnc app. Love 4% cash back on fuel.

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PNC Cash Rewards® Visa® Credit Card Reviews

PNC Cash Rewards® Visa® Credit Card