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!
|Authorized User Fee|
|Foreign Transaction Fee|
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.
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.
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.