PNC Cash Unlimited® Visa Signature® Credit Card
- Best for: PNC customers and travelers who want one no-fee card paying 2% on everything
- What Sets It Apart: A flat 2% that holds abroad, with no fee on foreign purchases; 0% for 15 months on transferred balances
- Rewards: 2% back on everything; cash back as a statement credit or PNC deposit with no minimum
- Features: Up to $800 per claim in cell phone protection with a $50 deductible
- Annual Fee: $0
- Intro APR: 0% for 15 months from account opening on balances transferred in the first 90 days
- APR: 18.74% to 28.74% variable
- Cost: 4% balance transfer fee ($5 minimum) in the first 90 days, then 5%; no foreign transaction fee
- Pros: No categories or caps; full 2% on purchases abroad; long 0% period on transferred balances; cash back deposits into PNC checking or savings
- Cons: No welcome bonus; no 0% period on purchases; requires a $5,000 minimum credit line; new PNC clients apply at a branch, per PNC’s 2024 launch announcement
Get the PNC Cash Unlimited® Visa Signature® Credit Card if you want one card paying 2% cash back on every purchase, with no annual or foreign transaction fee. It suits PNC customers best, since cash back can go straight into PNC checking or savings. Check whether you’re pre-approved on PNC’s site first. The check won’t affect your credit score.
PNC no longer offers the CashBuilder Visa, and the Cash Unlimited is now the bank’s flat-rate cash back card. You earn the same 2% whether or not you bank with PNC, though PNC weighs any existing relationship when it reviews your application.
Key Features
- 2% cash back on every purchase, with no cap and no expiration while the account is open
- $0 annual fee and no foreign transaction fee
- Intro annual percentage rate (APR) of 0% for 15 months from account opening on balances transferred in the first 90 days, with a 4% transfer fee (at least $5)
- Variable APR of 18.74% to 28.74% on purchases, and on transferred balances once the intro rate ends
- Cash back paid as a statement credit or a deposit to PNC checking or savings, with no minimum
Pros
- One rate on every purchase, with no categories to track or activate
- Earns 2% on purchases abroad without a foreign transaction fee
- 15 months at 0% on transferred balances
- Up to $800 per claim for a stolen or damaged phone when the card pays your monthly wireless bill, with a $50 deductible
Cons
- No welcome bonus
- No 0% period on new purchases
- You must qualify for a credit line of at least $5,000
- New PNC clients apply in person at a branch, according to PNC’s 2024 launch announcement
- Cash back you haven’t redeemed is forfeited when the account closes
Get it if you bank with PNC or often buy abroad. Everyone else should pick the Wells Fargo Active Cash, which also pays 2% and adds a $100 bonus after $500 in purchases in the first 3 months, though it charges a 3% fee on foreign transactions.
Learn more about the PNC Cash Unlimited® Visa Signature® Credit Card or see how it compares to the best cash back credit cards.
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