| Category | Rate | Type | Cap |
|---|---|---|---|
|
Gas Stations
Earned on gas station purchases including in-store purchases at gas stations; applies to the first $8,000 in combined spending across gas, dining, and grocery categories annually, then 1% thereafter.
|
4x | Cash Back | $8,000/yr |
|
Dining
Earned at restaurants including fast food and cafes; applies to the first $8,000 in combined spending across gas, dining, and grocery categories annually, then 1% thereafter. Excludes food and grocery purchases at superstores and warehouse stores.
|
3x | Cash Back | $8,000/yr |
|
Groceries
Earned at grocery stores; applies to the first $8,000 in combined spending across gas, dining, and grocery categories annually, then 1% thereafter. Excludes superstores, warehouse stores, and certain other stores.
|
2x | Cash Back | $8,000/yr |
|
All Other Purchases
Flat 1% cash back on all purchases not in a bonus category, and on all bonus category purchases once the $8,000 combined annual cap is reached. Excludes cash advances and balance transfers.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
Cardholders receive a 0% introductory APR on qualifying balance transfers made within the first 90 days of account opening for the first 15 billing cycles; after that, a variable APR of 19.24% to 29.24% applies. A balance transfer fee of 4% applies during the intro period (5% thereafter).
|
Financial | 0% for 15 billing cycles |
|
No Annual Fee
The PNC Cash Rewards Visa Credit Card carries no annual fee for all cardholders.
|
Financial |
$0 annual fee
Up to $0
|
|
Auto Rental Collision Damage Waiver
When the full rental cost is charged to the card and the primary rental insurance is declined, Visa provides collision damage waiver coverage for eligible rental vehicles.
|
Insurance | Complimentary |
|
Cell Phone Protection
Cardholders receive up to $800 in cell phone protection coverage when the monthly cell phone bill is paid with the PNC Cash Rewards Visa card, covering theft or damage.
|
Insurance |
Up to $800
Up to $800
|
|
Travel Accident Insurance
Cardholders are covered by travel accident insurance when eligible transportation tickets are purchased with the card.
|
Insurance | Complimentary |
|
1% Cash Back on All Other Purchases
All purchases not falling into a bonus category earn an unlimited 1% cash back; the 1% rate also applies to bonus category purchases once the $8,000 combined annual cap is reached.
|
Rewards | 1% cash back |
|
2% Cash Back on Grocery Stores
Cardholders earn 2% cash back at grocery stores on the first $8,000 in combined gas, dining, and grocery purchases annually; excludes superstores, warehouse stores, and certain other merchants.
|
Rewards | 2% cash back |
|
3% Cash Back on Dining
Cardholders earn 3% cash back at restaurants including fast food and cafes, on the first $8,000 in combined gas, dining, and grocery purchases annually.
|
Rewards | 3% cash back |
|
4% Cash Back on Gas Stations
Cardholders earn 4% cash back on gas station purchases, including in-store purchases at gas stations, on the first $8,000 in combined gas, dining, and grocery purchases annually.
|
Rewards | 4% cash back |
|
24/7 Fraud Monitoring
PNC monitors card accounts around the clock and will notify cardholders if potentially suspicious or fraudulent transactions are detected.
|
Security | Complimentary |
|
Visa Zero Liability Protection
Cardholders are not held responsible for unauthorized charges made with their U.S.-issued card or account information, provided fraud is reported promptly.
|
Security | Complimentary |
|
Roadside Dispatch
Cardholders have access to Visa's pay-per-use roadside assistance program providing pre-negotiated rates for towing, tire changing, jump-starting, and other roadside services.
|
Travel | Pay-per-use (no membership fee) |
