The PNC Cash Rewards Visa Credit Card offers up to 4% back on gas, 3% at restaurants, and 2% at grocery stores for the first $8,000 combined spend annually. Every other purchase earns 1% cash back. New applicants can earn a $200 bonus after spending $1,000 in their first three months. There is no annual fee, and most applicants are approved with a minimum credit line of $500.

How to Apply for the PNC Cash Rewards Card

• Check if you are pre-approved online (no credit score impact)
• Complete a short online application with your details
• Wait for the approval decision, often within minutes
• If approved, receive your card and activate it
• Start using your card to earn rewards

Key Benefits

The standout advantages are rich category cash back rates and a $200 sign-up bonus. Everyday spending on gas, dining, and groceries is rewarded handsomely, making this a great card for family shoppers and commuters.

The fact that there is no annual fee is particularly attractive, letting you maximize your rewards without worrying about costs eating into your cash back.

Potential Drawbacks

High cash back rates are limited to the first $8,000 spent in combined bonus categories per year. After that cap, all category purchases revert to 1% back, so big spenders may want to track spending closely.

Approval for the best credit limits may require good to excellent credit, and a minimum line of $500 may not be sufficient for everyone’s needs.

Our Verdict

With top-tier cash back rates, a lucrative $200 bonus, and zero annual fee, the PNC Cash Rewards Visa stands out for everyday spenders seeking simple, valuable rewards. While big spenders may hit the bonus category cap, most everyday users will find this card delivers clear value and flexibility.