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PNC CashBuilder Visa Credit Card

With the PNC Cash Rewards® Visa® Credit Card, you’ll earn 4% cash back on gas, 3% cash back on dining, 2% cash back on groceries and 1% cash back on all other purchases, but bonus earning rates are only valid on the first $8,000 in combined bonus category purchases each year. The card has no annual fee and a 0% introductory APR for the first 12 billing cycles on qualifying balance transfers made within 90 days of opening the account. After that, the APR on purchases and balance transfers is 19.24% to 30.24%.

  • Issuer NamePNC
  • Annual Fee$0
  • Regular APR19.24% to 30.24%
  • Penalty APR28.99%
  • Balance Transfer FeeIntro 3% (Min $5) for 90 days; then 4% (Min $5)
  • Cash Advance Fee5%, Min: $10
  • Foreign Transaction Fee3%

  • Spend a moderate amount on gas, dining and groceries.
  • Prefer a no-annual-fee cash back card.
  • Want cellphone protection.

Use your PNC Cash Rewards® Visa® Credit Card for any spending you do in the bonus categories of gas, dining and grocery store purchases. You can pair it with another card that has a higher base rate or bonus rewards on other types of purchases. If you will take advantage of the 0% APR balance transfer offer, be sure to do so in the first 90 days. If you miss that timing, you’ll miss the 0% APR promotion, and the balance transfer fee increases from 3% to 4%. Just be sure to pay off your balance before the 0% period expires and interest charges apply. The cellphone protection is a nice perk that isn’t offered on most cards with no annual fee, so it’s worth it to use this card to pay your cellphone bill and get the protection benefit.

Editor’s Take

If your spending levels are low to moderate in this card’s bonus categories, it could be a lucrative rewards card for everyday spending. However, bigger spenders may reach the earnings cap before the year ends. If that’s the case, you may want to switch to another card at that point or seek a different rewards card with unlimited earnings.

Dawn PapandreaContributor

Spend $1,000 or more in purchases during the first three billing cycles after you open your account, and you’ll earn a $200 bonus.

The PNC Cash Rewards® Visa® Credit Card earns rewards on everyday purchases. You’ll earn 4% cash back on gas, 3% cash back on dining, 2% cash back on groceries and 1% cash back on all other purchases. The bonus earning rates are valid on the first $8,000 spent in combined bonus category purchases each year.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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