PNC Bank · Visa · Personal
PNC Bank Cash Rewards
A no-annual-fee card earning cash back: 4× on Gas Stations, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- $200Spend $1,000 on purchases
- Top rate
- 4×Gas Stations
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $1,000 on purchases in the first 3 months following account opening | $200 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
The bonus needs $1,000 on purchases in the first 3 months following account opening.
Earning structure
4 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Gas Stations Cap $8,000 / 12 mo, sharedNotesFor the first $8,000 in combined gas, restaurant, and grocery purchases annually. | 4× | $4.00 | |
Dining Cap $8,000 / 12 mo, sharedNotesFor the first $8,000 in combined gas, restaurant, and grocery purchases annually. | 3× | $3.00 | |
Groceries Cap $8,000 / 12 mo, sharedNotesFor the first $8,000 in combined gas, restaurant, and grocery purchases annually. | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa
- Bank
- PNC Bank
- Point system
- Cash back
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Alternatives
Head to head with similar cards
 PNC Bank Cash Rewards |  PNC Bank Cash Unlimited |  PNC Bank points |  AAA Travel Advantage | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $200 | None | 100,000 pts | $100 |
| Top rate | 4×Gas Stations | 2×All Other | 4×All Other | 5×EV Charging, Gas Stations |
| Travel value * | –Cash back | –Cash back | 0.25¢PNC Points | 1¢AAA Points |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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