PNC Cash Rewards®
The PNC Cash Rewards® from PNC earns up to 4% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $250 bonus after you make $1,000 or more in purchases[2] during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $0
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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 Cash Rewards earn in each category?
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 86% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 86% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 4% back | 4% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
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.
What are the PNC Cash Rewards reward caps and conditions?
The PNC Cash Rewards has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3% cash back on dining purchases at restaurants Capped at $8000 per year.
- 4% cash back on gas station purchases Capped at $8000 per year.
- 2% cash back on grocery store purchases Capped at $8000 per year.
Who should get the PNC Cash Rewards?
The PNC Cash Rewards fits spenders who put meaningful volume in gas and can earn 4% back. Best for spenders who put meaningful volume in gas and can earn 4% back. The welcome bonus can help if you can meet the spend requirement.
PNC Cash Rewards fits spenders who put meaningful volume in gas and can earn 4% back. Madeen ranks its gas effective rate higher than about 86% 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 gas and can earn 4% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for gas-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 gas at about 4% effective (4% back).
- That gas rate ranks higher than about 86% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the PNC Cash Rewards have an annual fee, and what's the welcome bonus?
The PNC Cash Rewards has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn a $250 bonus after you make $1,000 or more in purchases[2] during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Earn a $250 bonus after you make $1,000 or more in purchases[2] during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.
What benefits come with the PNC Cash Rewards?
The PNC Cash Rewards includes Booking.com, Cell Phone Protection, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell Phone Protection
When you use your eligible PNC Visa credit card to pay your monthly wireless bill, you can get reimbursed up to $800 if your cell phone is stolen or damaged.
- Dovly Uplift™Included with Visa Traditional
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Common questions about the PNC Cash Rewards
Does the PNC Cash Rewards have an annual fee?
The PNC Cash Rewards 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 Cash Rewards?
Gas is the strongest Madeen category for the PNC Cash Rewards at about 4% 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 Cash Rewards charge foreign transaction fees?
The PNC Cash Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the PNC Cash Rewards welcome bonus?
The PNC Cash Rewards welcome offer in our snapshot: Earn a $250 bonus after you make $1,000 or more in purchases[2] during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the PNC Cash Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the PNC Cash Rewards. 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 Cash Rewards?
Rewards on the PNC Cash Rewards 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.
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