" Two Great Cards, With Different Ways To Earn !!!!! "
About PNC Credit Cards
PNC Bank offers a variety of credit cards tailored to
different spending habits. Two of its standout options are the PNC Cash
Unlimited Visa Credit Card and the PNC Cash Rewards Visa Credit Card.
Both cards have no annual fee and provide cash-back benefits, but they go about
it in very different ways — one with simplicity, the other with higher rates in
popular categories.
Quick Overview
- PNC
Cash Unlimited Visa Credit Card
- Earns
a flat 2% cash back on every purchase
- No
categories to track, no caps, and no expiration on rewards
- Perks
include cell phone protection and no foreign transaction fees
- PNC
Cash Rewards Visa Credit Card
- Earns
4% back on gas, 3% on dining, 2% on groceries, and 1% on
everything else
- $200
sign-up bonus after spending $1,000 in the first 3 months
- Bonus
categories apply only to the first $8,000 spent annually in those
categories
Direct Link To Offer
Key Features
|
Feature |
PNC Cash Unlimited |
PNC Cash Rewards |
|
Base cash-back rate |
2% on every purchase, no category tracking |
Tiered: 4% gas, 3% dining, 2% groceries, 1% all other |
|
Annual fee |
$0 |
$0 |
|
Intro bonus / offers |
0% intro APR on balance transfers for 15 months (if
transferred within 90 days) |
$200 bonus after $1,000 spend in first 3 months |
|
Caps / Limits |
No caps, no expiration on rewards |
Bonus categories apply to first $8,000 annually; then 1%
back |
|
Other perks |
Cell phone protection (up to $800), no foreign transaction
fees, flat-rate simplicity |
Cell phone protection, $25 minimum redemption threshold |
Review
Both cards are profitable options depending on your
lifestyle. If you prefer simplicity and steady rewards, the Cash
Unlimited card is the better choice with its unlimited 2% back and no fees on
foreign transactions. If your spending is concentrated in gas, dining, and
groceries and you stay under the $8,000 cap, the Cash Rewards card can
deliver higher cash-back earnings in those categories.
For most everyday spenders who don’t want to track
categories, the Cash Unlimited card provides the more reliable long-term
value.
