PNC CashBuilder Visa®
The PNC CashBuilder Visa® from PNC earns up to 1.3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.3%
- Annual fee
- $0
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the PNC CashBuilder Visa earn in each category?
Dining is the strongest category at 1.3% effective value (1.3% back). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.3% effective value (1.3% back). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.3% back | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1.3% back | 1.3% |
| Gas Gas stations and fuel | 1.3% back | 1.3% |
| Travel Flights, hotels, transit | 1.3% back | 1.3% |
| Other General everyday spend | 1.3% back | 1.3% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the PNC CashBuilder Visa?
The PNC CashBuilder Visa fits spenders who put meaningful volume in dining and can earn 1.3% back. Best for spenders who put meaningful volume in dining and can earn 1.3% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
PNC CashBuilder Visa fits spenders who put meaningful volume in dining and can earn 1.3% back. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.3% back.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1.3% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the PNC CashBuilder Visa have an annual fee?
The PNC CashBuilder Visa has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the PNC CashBuilder Visa
Does the PNC CashBuilder Visa have an annual fee?
The PNC CashBuilder Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the PNC CashBuilder Visa?
Dining is the strongest Madeen category for the PNC CashBuilder Visa at about 1.3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the PNC CashBuilder Visa charge foreign transaction fees?
The PNC CashBuilder Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the PNC CashBuilder Visa?
Madeen's catalog lists a typical credit range of Good for the PNC CashBuilder Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the PNC CashBuilder Visa?
Rewards on the PNC CashBuilder Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the PNC CashBuilder Visa?
To maximize the PNC CashBuilder Visa, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the PNC CashBuilder Visa compare to similar cards?
Compare the PNC CashBuilder Visa against PNC Cash Unlimited (2% on Dining, $0 fee); PNC Cash Rewards Visa Signature Business Credit Card (1.5% on Dining, $0 fee); PNC BusinessOptions Visa Signature Credit Card (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
PNC CashBuilder Visa This card | Dining | 1.3% | $0 |
| Dining | 2% | $0 | |
| Dining | 1.5% | $0 | |
| Dining | 1% | $0 | |
| Dining | 1% | $0 |
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.