PNC Cash Rewards Visa Signature Card Calculator

Review the benefits of the PNC Cash Rewards Visa Signature, calculate how much cash back you can earn based on your spend, and compare results to top cards.
Last Updated: 2020-07-11

The PNC Cash Rewards Visa Signature is the best card in the PNC credit card line up. It is a great choice for anyone looking to maximize there returns across everyday categories. The best reason to pick up the PNC Cash Rewards Visa Signature is due to the outstanding 4% return it earns on gas purchases. Pair that with a good return on restaurants and a solid return on grocery and you have yourself a card for the long run!

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The PNC Cash Rewards Visa Signature features 3 bonus categories: gas stations, restaurants, and grocery spending. All three bonus categories have a combined spend cap of $8,000 per year. Once you have spent $8,000 collectively across these three categories, you will earn 1% cash back per $1 spent for remainder of the calendar year. There is no limit to the overall amount of cash back you can earn using the PNC Cash Rewards Visa Signature.

  • 4% Gas Station
    • Spend cap of $8,000 shared with restaurant and grocery category; earn 1% for remainder of the year after cap has been reached.
  • 3% Restaurant
    • Spend cap of $8,000 shared with gas station and grocery category; earn 1% for remainder of the year after cap has been reached.
  • 2% Grocery
    • Spend cap of $8,000 shared with restaurant and gas station category; earn 1% for remainder of the year after cap has been reached.
  • 1% Non-Category

Perks & Benefits

The PNC Cash Rewards Card does not have any benefits that are specific to the card itself.

Sign Up Bonus

The PNC Cash Rewards Card offers a sign up bonus of $100 after you spend $1,000 or more in purchases during the first 3 billing cycles following account opening.

Fees

Annual Fee

There is no annual fee for the PNC Cash Rewards Visa Signature.

Authorized User Fee

There is no fee associated with adding additional users to the PNC Cash Rewards Visa Signature. I recommend adding any friend or family member that spends heavy in any of the categories, but the primary focus should be the gas and restaurant categories. It can be easy to spend big on grocery, so be careful and remember there is a combined cap between all three categories.

Foreign Transaction Fee

Unfortunately the PNC Cash Rewards Visa Signature has a foreign transaction fee of 3%. This means using the card internationally will eat away at your earned rewards.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
$0

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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