Pnc Gift Cards
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Pnc Gift Cards
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This assignment does not affect the opinions or ratings of our editorial staff. Please read our full Ad Disclosure Policy. With a strong cash back rate on gas, as well as reasonable earning rates on groceries and groceries, the PNC Cash Rewards® Visa® credit card is a solid choice with no annual fee.
But an annual spending cap for the increased earnings keeps it from being great. The PNC Cash Rewards Visa credit card is a great choice for those looking to earn competitive gas and dining cashback rates. Cardholders can receive 4% cashback on gas station purchases, 3% on restaurant purchases, 2% on grocery store purchases and 1% on other items.
About The Pnc Cash Rewards Visa Credit Card
The increased reward tiers are capped at $8,000 in combined purchases per year, after which you earn 1% on all qualifying purchases. There is no annual fee, making it an affordable card. New cardholders can also earn a $200 welcome bonus after spending $1,000 in the first 3 billing cycles after account opening, and receive a 0% induction for the first 12 billing cycles on account transfers if funds are transferred within 90 days of account opening
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becomes. After the end of the introductory phase, the variable effective annual interest rate of 18.74% to 29.74% will apply. With the PNC Cash Rewards Visa credit card, you can earn 4% cashback at gas stations - this includes in-store and at the pump, 3% refund at dining - this makes a - includes full-service restaurants, cafes, cafeterias, fast food restaurants and
2% refund at grocery stores (excluding supermarkets, drugstores, warehouses and convenience stores) on the first $8,000 of combined purchases in these three categories per year, 1% refund on other expenses. Note that the limit resets annually on the date your account was enrolled in the Cash Rewards program, not the calendar year.
There is a welcome bonus of $200 in statement credit after making $1,000 of purchases within the first three billing cycles of account opening. Rewards can be redeemed in your online account or in the PNC mobile app with a minimum amount of $25. Your cashback can be credited to your card or deposited into an eligible PNC account.
Pnc Cash Rewards Visa Credit Card Basics
Rewards do not expire, so there is no rush to redeem them within a certain period of time after opening your account. You can save them and use them for the credit report or as a good investment. Using government data and other publicly available information, we estimate that a US household with an annual income of $84,352 and expenses of $25,087 is likely to have a Visa Rewards Cash Rewards credit card marketplace.
Credit card. This card allows you to earn high cashback rates on the first $8,000 of gas, groceries, and grocery purchases every year. We estimate what you could earn based on this bonus structure: purchases that are not in the bonus category only get 1% back, and once you reach the $8,000 spending threshold, you also get 1% back on gas, groceries, and groceries
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Based on our estimate of annual credit card spend: This totals $398.56 in cashback per year. On the other hand, if you only use this card for gas purchases and spend $8,000 at gas stations, you will receive 4% cashback of $320 in cashback per year.
PNC has an online calculator that you can use to enter your total monthly purchases to estimate your personal income return. The PNC Cash Rewards Visa credit card offers an introductory APR of 0% for the first 12 billing cycles on prepaid transfers made within the first 90 days of account opening.
Pnc Cash Rewards Visa Credit Card Rewards
There is then a variable interest rate of 18.74% to 29.74% for the card, depending on the balance. The balance transfer fee is 3% or $5, whichever is greater, for 90 days. After that, the balance transfer is 4% or $5, whichever is greater. If you are specifically looking for a PNC credit card, the PNC Points Visa credit card is another option.
Instead of cashback, this card instead offers cardholders points to redeem for travel, cash rewards, gift cards, and more. There is no annual fee for the card and the card earns 4 points for every dollar spent on purchases made with the card. While you can earn a lot of points with this card, they tend to be less valuable than other credit cards.
For example, it takes 5 points to get 1 percent off your billing. Also, you have 48 months to use your points or they expire. This card includes an introductory APR of 0% for the first 12 billing cycles on purchases and funds made within the first 90 days of account opening.
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Thereafter, a variable effective annual interest rate of 17.49% to 29.49% applies. The Discover it® Cash Back Card has an annual fee of $0 and earns a generous 5% cashback on rotating quarterly installments (when activated) up to $1,500 in monthly expenses, 1% refund on other purchases.
Pnc Cash Rewards Visa Credit Card Rewards Potential
In Q1 2023, the increased cashback category included spend at grocery stores, drugstores, and some streaming services. Instead of a traditional welcome bonus, Discover doubles all cashback earned in the first year of card ownership, with no restrictions. If your goal is to earn credit card rewards for travel, consider Chase Sapphire Preferred.
Although the Sapphire Preferred has an annual fee of $95, its flexible reward cash - Chase Ultimate Rewards® points - is a favorite among travel rewards fans due to its many redemption options. Points can be redeemed for travel tickets at 1.25 cents per point or transferred 1:1 to over a dozen airline and hotel partners through the Ultimate Rewards portal.
Sapphire Preferred cardholders earn 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on restaurants, streaming services and online groceries (excluding Target, Walmart and wholesale clubs), 2 points per dollar on other travel expenses and 1 point per dollar on other purchases.
The Sapphire Preferred also comes with a welcome bonus of 80,000 points after you spend $4,000 in the first three months of account opening. The biggest downside to the PNC Cash Rewards Visa credit card is that the high cash back earning rates are capped at $8,000 on combined purchases per year.
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