Pnc Cash Rewards Card Review and Guide

The PNC Cash Rewards Visa Signature Card is a solid choice for those seeking a cashback credit card with no annual fee. This card offers 3% cashback on gas, 2% cashback on groceries, and 1% cashback on all other purchases.

The 3% cashback rate on gas is a particularly attractive feature, especially for frequent travelers or those who drive long distances for work. The card also offers a $50 annual credit for purchases made through DashPass, a food delivery service.

To qualify for the 3% cashback rate on gas, you'll need to make at least $1,000 in gas purchases within a calendar year. This might be a challenge for some, but it's a great incentive for those who already spend a lot on fuel.

The PNC Cash Rewards Card has no foreign transaction fees, making it a great option for international travel.

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To be eligible for a PNC cash rewards card, you need to live in one of the states listed, including Alabama, Delaware, and Florida, or have an active deposit account with PNC in good standing.

You can earn PNC points with a few different PNC-issued personal and business credit cards.

These cards are only available in the states listed, or if you have an active deposit account with PNC.

PNC points can be earned with a few different credit cards, but you can only apply for these cards if you meet one of the two eligibility criteria.

Here are the states where you can apply for a PNC credit card without having an active deposit account with PNC:

The PNC Cash Rewards Card offers a robust points structure that rewards purchases in common categories like gas, dining, and groceries. You can earn 2% on grocery store purchases, 3% on dining purchases at restaurants, and 4% on gas station purchases for the first $8,000 in combined purchases in these categories annually.

The card also offers a $200 initial rewards bonus after making $1,000 or more in purchases during the first three months. This is a nice incentive to get you started with the card.

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To maximize your rewards, consider linking your PNC Bank Credit Card to a Virtual Wallet, Virtual Wallet Performance Spend, or Performance Select checking account. This can earn you bonus points, such as 25% more points with a Virtual Wallet, 50% more points with a Performance checking account, or 75% more points with a Performance Select checking account.

Here's a breakdown of the relationship bonuses you can earn:

To qualify for the PNC Cash Rewards Visa, you need an excellent credit score of 750+.

Having a good credit score opens doors to better credit card offers, but it's essential to understand what that means in terms of your financial history.

You need a credit score of 750+ to qualify for the PNC Cash Rewards Visa, so if you're not sure where you stand, it's a good idea to check your credit report.

A credit score above 750 is considered excellent, and it's a great starting point for applying for credit cards with rewards and benefits.

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The PNC Cash Rewards Visa Credit Card has several benefits beyond its cash back rewards structure. You can earn a 25% bonus on PNC points with a Virtual Wallet, Virtual Wallet Performance Spend, Virtual Wallet Performance Select, Performance Select, or Performance checking account.

The relationship bonuses can be earned in addition to the base points, making your rewards even more valuable. To qualify for the 50% bonus points, you need to maintain a Performance checking account or a combination of a Virtual Wallet with Performance Spend and meet minimum balance or deposit requirements each month.

Here's a breakdown of the relationship bonuses:

The approximate valuation of PNC Rewards points is 0.25 cents per point.

PNC cash rewards card offers numerous ways to redeem points, which can be categorized into four main buckets: travel, gift cards, merchandise, and cash-back. You'll need to visit the PNC points dashboard to start the redemption process.

You can redeem your points for travel, which is considered the best value option. To redeem for gift cards, simply click "Start Shopping" under "Gift Cards" in the PNC points portal. The exact value of your gift cards will vary, but you can expect to redeem PNC points at a value of 0.22 to 0.25 cents per point.

Cash-back redemption options include statement credits and deposits into PNC banking accounts. You'll need to have at least $25 in your cash rewards account to redeem your points. PNC cash rewards never expire as long as you keep the account active.

Here are the main redemption options for PNC cash rewards:

You can also use your PNC points to purchase merchandise, but the value you'll get is generally significantly less - 0.10 to 0.25 cents per point depending on what items you purchase.

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Redeeming your PNC rewards is a straightforward process, but it's essential to understand your options. You can redeem your points for travel, gift cards, merchandise, or cash-back, and the best value is usually found in travel options.

To start redeeming, you'll need to visit the PNC points dashboard. From there, you can choose how you want to use your points. PNC Cash Rewards can be redeemed for cash back, but the options are limited to statement credits or deposits into a qualifying PNC account.

The minimum threshold for redeeming cash back is $25, which is higher than some competitors. However, once you've accumulated your cash rewards, they never expire as long as you keep the account active. You can redeem your points for gift cards across numerous merchants, with a value of 0.22 to 0.25 cents per point.

Here are the main gift card categories:

You can also purchase merchandise using your PNC points, but the value is generally less, ranging from 0.10 to 0.25 cents per point. The list of merchandise you can buy is truly extensive, with categories ranging from apparel to video games.

PNC Reward points expire after four years.

If you've accumulated points but haven't used them, be aware that they'll eventually become worthless.

PNC Reward points are forfeited if the associated credit card account is closed.

This means you should keep your account active if you want to retain your points.

PNC Reward points expire after four years, so make a plan to use or redeem them before they disappear.

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The PNC Cash Rewards card has a $0-annual-fee, so you won't have to worry about paying an annual fee to use the card.

The PNC Cash Rewards card has a foreign transaction fee of 3%, which will be added to your purchase when you use the card outside of the US.

The minimum payment on the PNC Cash Rewards card is $27, plus any annual fees, past due amounts, or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher.

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Apr on Purchases is a type of fee that can be charged by credit card companies. This fee can range from 1.5% to 3% of the purchase amount, depending on the card issuer and the type of card used.

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Some credit card companies charge an annual fee, which can be as high as $500 per year, in addition to the Apr on Purchases fee. This fee can add up quickly and may not be worth it for some users.

It's also worth noting that some credit cards have a 0% Apr introductory period, but this period is usually limited to 6-18 months. After the introductory period ends, the regular Apr on Purchases rate will apply.

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The PNC Cash Rewards Visa Credit Card has a foreign transaction fee of 3%. This fee applies to any transaction made outside of the United States, whether it's in person or online.

The foreign transaction fee is calculated as 3% of the transaction amount in U.S. dollars. This means if you make a purchase abroad for $100, you'll be charged an additional $3 in fees.

The 3% fee is added to the transaction amount, so the total cost would be $103. This fee applies to online purchases made through internationally-based merchants as well.

To avoid this fee, it's best to use your card for domestic transactions only. However, if you do need to make a foreign transaction, be aware of the 3% fee that will be added to the total cost.

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The PNC Cash Rewards Visa Credit Card has a $0-annual-fee, which means you won't have to pay a yearly fee to use the card.

Paying your statement balance on time will help you avoid late fees and interest charges that contribute to credit card debt.

There is no annual fee on the PNC Cash Rewards Visa Credit Card, so you can use it without worrying about extra costs.

The minimum balance to redeem rewards is $25, so be sure to accumulate enough rewards to make a redemption worthwhile.

If you're approved for the card, you'll receive a response immediately, and your card will arrive in seven to 10 business days.

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The minimum payment is the smallest amount you're required to pay by the due date to keep your account in good standing.

The PNC Cash Rewards Card minimum payment is $27 plus any annual fees and past due amounts or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher.

If you recently missed a payment, PNC Bank may add a late fee to your minimum payment.

You'll need to pay the minimum payment to avoid falling behind on your payments and incurring additional fees.

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Non-Promotional Interest Charges can be a way to earn points, but only with a specific credit card, the PNC Flex Visa Signature Credit Card. You'll earn 100 points for every $2 in non-promotional interest if you have a qualifying deposit account and a combined average monthly balance between $500 and $1,499.99.

To qualify, you need a qualifying deposit account and a combined average monthly balance between $500 and $1,499.99 on the last day of the billing cycle. If your monthly deposit balance is higher, you'll earn 100 points for every $1 in non-promotional interest.

Non-promotional interest means it's not part of an introductory APR offer or any other special promotions.

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You can activate your PNC Cash Rewards card online, by calling (800) 558-8472, or using the PNC mobile app. This will make your card ready to use in just a few minutes.

You can activate your card at any time, as there's no specific deadline to do so, but it's best to do it as soon as possible.

To convert your PNC points into statement credits, you'll need to redeem at least 3,000 points.

You'll only get 0.13 cents per point in value if you redeem 3,000 points for a $4 statement credit, which isn't the most rewarding option.

Redeeming more points, like 50,000, will get you a $100 statement credit, worth 0.20 cents per point, making it a more valuable choice.

You can activate your PNC Cash Rewards card online, by calling (800) 558-8472, or through PNC's mobile app.

Activation is a quick process that takes just a few minutes, and you can do it as soon as you receive your card.

To use your rewards, go to your rewards center in the PNC app or online and select "redeem".

Make sure you've met the redemption minimum of $25 before attempting to redeem your rewards.

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The starting point for using your PNC Cash Rewards Credit Card is a bit unclear. There is no specific starting credit limit for the card, but cardholders report starting limits between $3,000 and $15,000.

Your credit limit will depend on your overall creditworthiness, with those having the highest income and best credit scores generally offered the highest starting limits.

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The PNC Cash Rewards Card offers some benefits, but it's not a comprehensive protection package. The card does not have rental car insurance, so if you're planning to rent a car, you'll need to look elsewhere.

If you're looking for rental car insurance, consider the Wells Fargo Active Cash Card, which provides coverage up to $50,000 in case of theft or damage. This is a key difference between the two cards.

The PNC Cash Rewards Card also lacks travel insurance, so if you're planning a trip, you'll need to consider other options. The Chase Sapphire Preferred Card, for example, offers travel insurance as one of its benefits.

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Cell phone insurance can be a lifesaver when your phone gets damaged or stolen.

The PNC Cash Rewards Visa Credit Card offers cell phone insurance that gives cardholders up to $800 per claim to repair or replace a damaged or stolen phone.

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To qualify for this coverage, you need to charge your phone bill to your PNC Cash Rewards Visa Credit Card every month.

PNC Bank only offers secondary cell phone insurance, which means you'll have to exhaust any other coverage you might have before making a cell phone insurance claim.

This is a good reminder to review your existing insurance policies and coverage before applying for additional protection.

Here's a quick rundown of what you need to know about cell phone insurance:

The PNC Cash Rewards Visa Credit Card doesn't have rental car insurance, which might be a deal-breaker for some travelers.

If you're looking for a credit card with rental car insurance, you have options. The Wells Fargo Active Cash Card offers coverage up to $50,000 in case of theft or damage to the rental vehicle.

Rental car insurance can provide financial protection if your rental vehicle gets damaged or stolen.

If you're looking for a credit card that offers travel insurance, consider the Chase Sapphire Preferred Card, which has benefits that go beyond rental car insurance.

Travel insurance is not always a given, even with credit cards. The PNC Cash Rewards Card, for instance, does not have travel insurance as one of its benefits.

Some credit cards have purchase security and cell phone protection, but that's not the same as travel insurance. The PNC Cash Rewards Card has these benefits, but travel insurance is not included.

If you're looking for travel insurance, you'll need to consider other options, such as purchasing a separate travel insurance policy or checking if your existing policy covers you for travel-related expenses.

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The PNC Cash Rewards Visa Credit Card has received 14 reviews from users, which can give you an idea of how well the card is liked by those who have used it.

The overall user rating for this card is 3.6, based on the reviews from users. This is a decent rating, but it's not the highest.

One of the most notable features of this card is its rewards program, which offers 1-4% cash back on purchases. This is a great benefit for those who want to earn rewards on their daily spending.

Here are the ratings for the PNC Cash Rewards Visa Credit Card compared to other cards in the market:

As you can see, the Citi Double Cash Card has the highest WalletHub rating, followed by the Wells Fargo Active Cash Card.

The PNC Cash Rewards Visa Credit Card has no annual fee, which is a great benefit for those who want to avoid paying extra fees. However, the regular APR for this card is 19.49%-29.49%, which is a bit higher than some other cards on the market.

Overall, the PNC Cash Rewards Visa Credit Card is a solid choice for those who want to earn rewards on their purchases and avoid paying an annual fee.

You can activate your PNC Cash Rewards card online, by calling (800) 558-8472, or using PNC's mobile app. The card will be ready to make purchases in just a few minutes after activation.

There's no specific time limit to activate your card, but it's a good idea to do it as soon as possible.

The PNC Cash Rewards Visa Signature Card is a great option for those who want to earn cash back on their purchases. You can earn a 3% cash back reward on a category of your choice such as gas, groceries, or dining, and 2% cash back on everything else.

To maximize your rewards, consider choosing categories that you spend the most money on, such as groceries if you have a big family. This way, you can earn more cash back on your everyday purchases.

The PNC Cash Rewards Card also offers a sign-up bonus of $200 cash back after you spend $1,000 in the first 3 months. This is a great way to earn some extra cash back on top of your regular rewards.

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Getting started with your new project can be overwhelming, but don't worry, we've got you covered.

First, make sure you have a clear idea of what you want to achieve, as outlined in our section on "Setting Goals and Objectives". This will help you stay focused and motivated throughout the process.

Having a solid plan in place is crucial for success. As we discussed in "Creating a Project Plan", a well-structured plan will help you break down your project into manageable tasks and timelines.

To avoid scope creep, it's essential to prioritize your tasks effectively. In our section on "Task Prioritization", we highlighted the importance of identifying and tackling the most critical tasks first.

Regular progress checks are also vital to ensure your project stays on track. By following the steps outlined in "Monitoring Progress and Adjusting", you'll be able to identify any potential issues early on and make adjustments as needed.

Don't be afraid to seek help when you need it. Our section on "Resources and Support" provides valuable information on where to find guidance and assistance when you're stuck.

PNC points are generally worth less than other popular rewards systems, coming in at around 0.2 to 0.3 cents per point.

If you already have a relationship with PNC, you might still find their points system worth considering, especially if you're looking for simple credit card options that earn points without requiring specific spending categories.

PNC's generous spending categories can help you rack up a lot of points, but the value of those points is lower than what you'd get from other rewards systems.

In comparison, Chase Ultimate Rewards and American Express Membership Rewards are worth around 2 to 2.2 cents each, making them a more valuable option for many users.

Overall, while PNC points have their limitations, they can still be a good choice if you're already invested in the PNC relationship.

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