| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
Unlimited 2% cash back (tracked as 2 points per dollar, where each point equals 1 cent) on all eligible purchases with no category restrictions, no spending caps, and no annual limits. Cash advances and balance transfers do not earn rewards.
|
2x | 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 15 months; a variable APR of 18.49% to 28.49% applies after the promotional period ends. A 4% balance transfer fee applies during the intro period (5% thereafter).
|
Financial | 0% for 15 months |
|
No Annual Fee
The PNC Cash Unlimited Visa Signature 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 Signature provides collision damage waiver coverage for eligible rental vehicles.
|
Insurance | Complimentary |
|
Cell Phone Protection
Cardholders receive up to $800 in cell phone protection coverage per claim when the monthly cell phone bill is paid with the PNC Cash Unlimited card, covering theft or damage, subject to a $50 deductible; maximum of two claims per 12-month period.
|
Insurance |
Up to $800 per claim
Up to $800
|
|
Travel Accident Insurance
Cardholders are covered by travel accident insurance when eligible transportation tickets are purchased with the card.
|
Insurance | Complimentary |
|
Visa Signature Concierge Service
Cardholders have 24/7 access to Visa Signature Concierge service for assistance with travel bookings, dining reservations, event tickets, and other personal requests.
|
Lifestyle | Complimentary |
|
Cash Back Never Expires
Earned points (cash back) never expire as long as the account remains open; points are forfeited upon account closure.
|
Rewards | No expiration while account is open |
|
Unlimited 2% Cash Back on All Purchases
Cardholders earn unlimited 2% cash back (tracked as 2 points per dollar where 1 point = $0.01) on all eligible purchases with no category restrictions, no spending caps, and no annual limits; cash advances and balance transfers do not earn rewards.
|
Rewards | 2% cash back on all purchases |
|
24/7 Fraud Monitoring
PNC monitors card accounts around the clock and will alert 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) |
|
Visa Signature Luxury Hotel Collection
As a Visa Signature card, cardholders have access to a curated collection of luxury hotels worldwide with exclusive benefits, upgrades, and premium offers through the Visa Signature Luxury Hotel Collection.
|
Travel | Complimentary |
